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Investments

Expand Financial (EXPAND) serves as a 3(38) investment fiduciary to oversee the plan’s investment menu, giving you the expertise to maintain quality investments and meet ERISA standards.

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Investment Policy

EXPAND provides a written Investment Policy Statement (IPS) to guide investment decisions.

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Quarterly Monitoring

EXPAND monitors the investment lineup each quarter to ensure investments are meeting standards defined in the IPS.

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Fund Replacements

If an investment fails to meet the IPS standards, EXPAND replaces investments as needed.

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Quarterly Reports

EXPAND provides you with quarterly plan investment reports that you and your advisor can review together.

Financial advice is offered through Expand Financial, a SEC Registered Investment Adviser.

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Core Investment Lineup

Participants can choose their own investment options and asset allocation from the following investments.

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See important investment disclosures at the bottom of this page.

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Managed Account Options

Launch401k offers five different managed account options to simplify and streamline participant investing.  Employers and their Investment Advisors may choose 2 out of the following options but only one per category:  target date, risk based, participant managed accounts.

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DFA Target Date Funds

With Dimensional Fund Advisor’s (DFA) Target Date Funds, participants choose the fund corresponding to their age bracket. Dimensional manages the account, and over time, the investment emphasis shifts from income growth to income risk management.

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TIAA-CREF Lifecycle Funds

TIAA CREF Lifecycle Funds are designed to help investors maintain their standard of living in retirement, balance market, longevity and inflation risks and ensure age-appropriate asset allocation for all phases of life.

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Tandem ETF Portfolios

Keeping it Simple: Tandem ETF Portfolios consist of four risk-based asset allocation portfolios that invest mainly in ETFs. Each portfolio provides diversification across multiple asset classes consistent with an investor’s risk profile.

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Janus Henderson Global Allocation Funds

Janus Henderson Global Allocation Funds offer broad global diversification for investors through a strategic allocation across equities, fixed income and alternatives. Choose the option best suited to your risk tolerance.

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StoryLine by Stadion

StoryLine provides participants with a personalized investment experience considering variables unique to each participant. Stadion serves as a participant fiduciary and is required to act in the best interest of participants.

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DFA Target Date Funds
StoryLine by Stadion
Tandem ETF Portfolios
TIAA-CREF Lifecycle Funds
Janus Henderson Global Allocation Funds

Participants seeking a professionally managed solution can choose a Dimensional Target date option which offers the following benefits.

Participants seeking a professionally managed solution can choose a Dimensional Target date option which offers the following benefits.

Professional Money Management

Participants enjoy the benefits of having their account managed by a professional.

Manage Risk Through Retirement

Managed to reduce interest rate, market, and inflation risks up to and through retirement.

Retirement Income Planning

The investments are designed to help participants plan for and invest toward retirement income needs.

Asset Allocation Over Time

Over time, the investment emphasis shifts from income growth to income risk management.

Target Date Fund Disclosures.
Investments in target date funds are subject to the risks of their underlying funds, and asset allocations are subject to change over time in accordance with each fund’s prospectus. An investment in or retirement income from a target date portfolio is not guaranteed at any time, including on or after the target date. An investment in a target date portfolio does not eliminate the need for investors to decide—before investing and periodically thereafter—whether the portfolio fits their financial situation. Target Date Funds are designed to target a year in which an investor may withdraw funds for retirement or other purposes. For more information, please refer to the prospectus.

There is no guarantee this investment strategy will be successful, and it is possible to lose money with this investment. Investments in stocks and bonds are subject to risk of economic, political, and issuer-specific events that cause the value of these securities to fluctuate. International investments are subject to additional risks such as currency fluctuation, political instability and adverse economic conditions. Fixed income securities are subject to increased loss of principal during periods of rising interest rates and may be subject to various other risks, including changes in credit quality, liquidity, prepayments, and other factors. Inflation-protected securities may react differently from other debt securities to changes in interest rates.

The funds are offered in five-year increments, with the target date indicating when an investor may expect to retire and stop making contributions to the fund.

Available Investments and Performance History

 

See important investment disclosures at the bottom of this page.

StoryLine by Stadion

StoryLine provides participants with a personalized investment experience considering variables unique to each participant. Stadion serves as a participant fiduciary and is required to act in the best interest of participants.

Stadion StoryLine is a professionally professionally managed account solution. It starts with an important premise: Every company – and every employee in that company – has a unique story. And those stories should inform their retirement plan. StoryLine is built with the funds from the underlying investments within the plan’s core lineup and portfolio allocations and glide paths are tailored at the company level and further refined at the participant level based on their age and risk tolerance questionnaire.

View the StoryLine Website

Professional Money Management

StoryLine provides a personalized investment experience considering variables unique to each participant, at no cost to the employer.

Customized Risk Management

StoryLine attempts to make retirement investing easy – no need for participants to research investments, select funds, or make decisions. StoryLine seeks to manage participant emotions and improve outcomes.

Hands-On Support

A Consultant from Stadion can provide on-site enrollment support, if requested. In addition, Stadion provides participants with live phone support to discuss investments.

Plan-Level Customization

StoryLine goes beyond simple risk and age-based assessments. Plan-level customization takes into account a company’s unique workforce, and participants further tailor their account with Stadion’s proprietary risk tolerance questionnaire.

Download the Advisor Brochure

The S&P 500 Index is the Standard & Poor’s Composite Index of 500 stocks and is a widely recognized, unmanaged index of common stock prices. It is not possible to invest directly in indexes (like the S&P 500) which are unmanaged and do not incur fees and charges. Investments are subject to risk and any of Stadion’s investment strategies may lose money. Past performance is no guarantee of future results.

StoryLine is a marketing term associated with investment advisory services and products provided by Stadion Money Management, LLC. Certain of the StoryLine accounts and funds utilize exchange-traded funds that bear the SPDR® trademark to implement Stadion’s investment strategy. Stadion receives both an annual payment and reimbursement for certain marketing and other assistance in connection with the StoryLine Accounts from State Street Global Advisors or its affiliates in connection with Stadion’s use of SPDR® ETFs in the StoryLine Accounts.

StoryLine is not managed, sponsored or endorsed by State Street Global Advisors or its affiliates and is not guaranteed by Stadion or its affiliates or by State Street Global Advisors or its affiliates. No party makes any representation or warranty, express or implied, regarding the advisability of investing in the StoryLine Accounts, including “StoryLine. Built with SPDR® ETFs.” State Street Global Advisors has no obligations to take into consideration the StoryLine Accounts or investors in the StoryLine Account when managing or creating SPDR® ETFs. Standard & Poor’s®, S&P®, S&P 500®, Standard & Poor’s 500, 500, Standard & Poor’s Depositary Receipts, and SPDRs® are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by State Street Global Markets, LLC.

Standard & Poor’s®, S&P® and SPDR® are registered trademarks of Standard & Poor’s Financial Services LLC(S&P); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC (Dow Jones); and these trademarks have been licensed for use by S&P Dow Jones Indices LLC (SPDJI) and sublicensed for certain purposes by State Street Corporation. State Street Corporation’s financial products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and third-party licensors and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability in relation thereto, including for any errors, omissions, or interruptions of any index.

Custom Plan Level Qualified Default Investment Alternative (QDIA)

Determining a plan QDIA is an important fiduciary step. Stadion’s StoryLine offers customized plan level default glide paths designed to align with the participant population. Each plan sponsor has access to a document explaining how certain inputs may affect a plan default selection.

Plan Level QDIA Example

This chart shows how the mix of investments will be adjusted gradually over time to seek to reduce risk to help plan participants preserve what they’ve saved as they near retirement.

Plan Level Qualified Default Investment Alternative

Tandem ETF Portfolios

Keeping it Simple: Tandem ETF Portfolios consist of four risk-based asset allocation portfolios that invest mainly in ETFs. Each portfolio provides diversification across multiple asset classes consistent with an investor’s risk profile.

Tandem LogoParticipant’s seeking help from a professional money manager can choose one of Tandem’s four Exchange Traded Fund (ETF) Portfolios. These portfolios include the following benefits:

Simple

With Tandem, investing is simple for employees. They choose a single, professionally-managed portfolio based on answers to a risk questionnaire they take during enrollment, and the Tandem team does the rest.

Balanced

Working within a proven investment discipline, each portfolio provides diversification across multiple asset classes consistent with an investor’s risk profile. They aim to provide sustainable returns without unnecessary risk.

Transparent

Using Exchange Traded Funds to construct portfolios increases transparency over traditional mutual funds. With ETFs, investors and asset managers know exactly what they hold, making investment decisions more precise.

Tandem Wealth Advisors
Tandem Wealth Advisors is a registered investment advisor. Information presented is for educational and informational purposes. Investments involve risk, such as the loss of principal, and are not guaranteed. Past performance does not guarantee future results. The investment return and principal value of any investment may fluctuate, and an investor’s shares may be worth more or less than the original cost at any given time or upon redemption. Before investing, investors should consider the investment objectives, expenses, and risks of a portfolio on their own or with the help of an investment professional

Tandem ETF™ Portfolios consist of four risk-managed strategies that seek to balance short and long-term risk and achieve returns that are stable, understandable, and sustainable.

Tandem Conservative Portfolio™
Tandem Conservative Portfolio™

The Tandem Conservative Portfolio seeks to protect principal by investing in lower-risk securities with less fluctuation such as fixed income and money market securities. A smaller portion of the portfolio is invested in equities to help offset inflation

Tandem Moderative Conservative Portfolio™
Tandem Moderative Conservative Portfolio™

The Moderate Conservative Portfolio seeks to protect a larger portion of the portfolios value, while taking on some risk with equity exposure for inflation protections. While still holding a portion of its assets in equities, a higher percentage in fixed income dampens short-term volatility, foregoing higher long-term returns for stability.

Tandem Moderate Portfolio™
Tandem Moderate Portfolio™

The Tandem Moderate Portfolio balances risk and return to provide both capital appreciation and interest income for long-term gains. This balanced portfolio is likely to entail fluctuations in value over short-term periods, but with less volatility than the overall equity market over long-term periods.

Tandem Moderate Aggressive Portfolio™
Tandem Moderate Aggressive Portfolio™

The Tandem Moderate Aggressive Portfolio favors investors with the capacity to ride out volatility and variations in return to obtain long-term growth of capital. This allocation involves more risk, but not as much as a portfolio invested only in equities.

Tandem’s four continuously managed, risk-based portfolios help investor’s grow and shelter their retirement savings. The performance for each of these strategies is shown below.

Performance History

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See important investment disclosures at the bottom of this page.

Nuveen LogoParticipants seeking help from a professional money manager can choose TIAA CREF Lifecycle Funds. These funds are designed to help investors:

  • Maintain their standard of living over a prolonged retirement
  • Carefully balance market, longevity and inflation risks
  • Ensure age-appropriate asset allocation for all phases of life
Portfolio Design

Human capital/financial capital framework dictates declining equity exposure over time.

As a person’s career progresses, the time available to earn income declines, resulting in a gradual reduction of human capital. In contrast, financial capital (an individual’s accumulated wealth in stocks, bonds and other investment assets) is generally lower for younger people and grows over time.

Typical life cycle of human capital and financial capital

The funds are offered in five-year increments, with the target date indicating when an investor may expect to retire and stop making contributions to the fund. The following are TIAA CREF Lifecycle Funds.
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Janus Henderson LogoJanus Henderson Global Allocation Funds

As a leading global asset manager, Janus Henderson offers numerous investment options designed to help you reach your investment goals. After looking at our investment line-up, you may be feeling overwhelmed and not sure where to start. We aim to make investing with us an easy process for our clients. Janus Henderson Global Allocation Funds offer broad global diversification for investors through a strategic allocation across equities, fixed income and alternatives, with the goal of providing the opportunity for higher returns and lower volatility.

These funds of funds offer broad global diversification in a single investment by utilizing the full spectrum of Janus Henderson Investment expertise and solutions. The Funds are built to match your risk tolerance.

GLOBAL ALLOCATION FUND – CONSERVATIVE (JCAIX)

GLOBAL ALLOCATION FUND – CONSERVATIVE (JCAIX)

Targeting an allocation of 30% to 50% equities, 50% to 65% fixed income and 0% to 20% alternatives, this fund may be suitable for conservative investors desiring a well-diversified portfolio that seeks to exceed the long-term returns of fixed income markets.

GLOBAL ALLOCATION FUND – MODERATE (JMOIX)

GLOBAL ALLOCATION FUND – MODERATE (JMOIX)

Targeting an allocation of 45% to 65% equities, 30% to 45% fixed income, and 5% to 20% alternatives, this fund may be suitable for moderate investors desiring a well-diversified portfolio that seeks to exceed the long-term returns of broad markets.

GLOBAL ALLOCATION FUND – GROWTH (JGCIX)

GLOBAL ALLOCATION FUND – GROWTH (JGCIX)

Targeting an allocation of 70% to 85% equities, 10% to 25% fixed income, and 5% to 20% alternatives, this fund may be suitable for growth investors desiring a well-diversified portfolio that seeks to exceed the long-term returns of broad markets.

The following chart shows performance history of the Janus Henderson Global Allocation Funds.
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Below are important disclosures about the investment information presented on this page.

Investment Chart Data Sources.
On the above chart, the columns for Investment Name, Morningstar Category, Inception Date, Expense Ratio and return information is provided by Morningstar, Inc. The columns specifying QDIA as well as the list of funds is provided by eFiduciary Advisor. ‘Principal Focused – Extended Duration’ investment option will have underlying fixed income investments with a longer average duration than a Cash Equivalent.

Stable Value and Fixed Income Disclosures.
Some Stable Value and Fixed Income Investment Options include restrictions at contract termination. Plan Sponsors should carefully review product contracts for applicable limits, rules and payout options.

© 2022 Morningstar, Inc. All Rights Reserved.
The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.