(PUB) Investing 2015
4
Morningstar’s 401(k) Funds
Morningstar Analyst Rating
Morningstar Rating Overall
Prospectus Net Expense Ratio (%)
Total Ret Ann 5-Yr (%)
Total Ret % Rank Cat 5-Yr
Total Ret Ann 10-Yr (%)
Total Ret % Rank Cat 10-Yr
Total Ret Ann 15-Yr (%)
Total Ret % Rank Cat 15-Yr
Manager Tenure (Yr)
Name
Morningstar Category
American Funds New World R5 RNWFX
Div Emerging Mkts
16.17
0.69
4.92
4
7.96
8
8.24
33
Œ
QQQQQ
American Funds Washington Mutual R5 RWMFX Œ
Large Value
17.08
0.34
15.33
15
7.36
22
7.24
31
QQQQ
DFA International Small Company DFISX
Frgn Sm/Mid Blend
16.67
0.53
9.51
59
6.84
44
9.19
13
„
QQQQ
Dodge & Cox International Stock DODFX
Frgn Large Blend
14.25
0.64
8.62
16
6.47
17
Œ
QQQQ
Harbor Capital Appreciation Instl HACAX
Large Growth
25.25
0.66
18.61
11
9.35
19
3.63
50
Œ
QQQQ
Loomis Sayles Bond Instl LSBDX
Multisector Bond
24.25
0.63
6.17
20
6.80
7
8.32
9
Œ
QQQQ
Morgan Stanley Inst US Real EstateI MSUSX
Real Estate
20.50
0.95
12.80
48
7.18
22 11.35
17
„
QQQQ
Oakmark Select OAKLX
Large Blend
18.75
0.95
16.68
11
7.87
20
9.80
2
Œ
QQQQ
Oppenheimer Developing Markets ODVYX
Div Emerging Mkts
8.25
1.07
3.33
15
9.48
2 11.60
1
„
QQQQ
PIMCO Commodity Real Ret Strat Instl PCRIX
Commodities Broad Bskt QQQ
7.67
0.74
-5.78
28
-2.48
24
„
PIMCO Real Return Instl PRRIX
Inflation-Prot Bnd
7.67
0.45
3.37
3
4.68
2
6.38
1
„
QQQQQ
PIMCO Total Return Instl PTTRX
´ Intermediate-Trm Bnd
0.92
0.46
3.97
32
5.93
4
6.57
4
QQQQQ
PRIMECAP Odyssey Aggressive Grw POAGX
Mid-Cap Growth
10.75
0.63
22.42
1 13.69
1
Œ
QQQQQ
Royce Special Equity Instl RSEIX
Small Blend
17.25
1.02
11.41
88
7.91
31 11.44
7
Œ
QQQ
Selected American Shares SLADX
´ Large Blend
20.67
0.60
13.46
75
6.64
65
5.41
26
T. Rowe Price High Yield PRHYX
High Yield Bond
19.17
0.75
7.73
17
7.19
16
7.38
11
„
QQQQ
T. Rowe Price Small-Cap Stock OTCFX
Small Growth
22.92
0.91
17.00
45
9.58
18
9.63
9
„
QQQQ
Vanguard FTSE Social Index VFTNX
´ Large Blend
3.67
0.16
17.39
5
7.09
49
3.31
84
QQQQ
Vanguard Institutional Index VINIX
Large Blend
14.67
0.04
16.22
19
7.73
22
4.62
43
Œ
QQQQ
Vanguard Intl Growth Adm VWILX
Foreign Large Growth
12.50
0.34
8.32
45
6.72
26
4.46
28
„
QQQ
Vanguard Selected Value Inv VASVX
Mid-Cap Value
16.42
0.44
15.35
38
8.17
29 10.75
15
Œ
QQQQ
Vanguard Total Bnd Mrkt Indx Adm VBTLX
Intermediate-Trm Bnd
2.50
0.07
3.21
66
4.58
45
5.25
46
„
QQQ
Wasatch Small Cap Growth WAAEX
Small Growth
28.67
1.21
15.99
60
7.77
71
8.89
17
Œ
QQQ
Data as of July 31, 2015.
in down markets make it a welcome holding in the worst of times.
different value strategy. The fund has top-quartile returns over the trailing 10 - and 15 -year periods.
Vanguard FTSE Social Index VFTNX Performance has improved at this fund since it switched to the FTSE4 Good US Select Index in December 2005 . The fund has beaten its average peer while lagging the S & P 500 by a modest amount. The fund charges a mere 0 . 16% , so it’s a pretty good bet. Vanguard Institutional Index VINIX This is the institutional version of Vanguard 500 Index VFINX . It charges just 0 . 04% . Enough said. Vanguard Selected Value VASFX Vanguard’s active funds’ are pretty cheap, too. This one charges just 0 . 41% for the services of three solid value managers. It’s run by Barrow Hanley, Donald Smith & Co., and Pzena, each of whom has a slightly
Vanguard Total Bond Market Index VBTLX Along with PIMCO Total Return, this fund makes two funds in the intermediate-bond category. Why two? The index is heavily weighted to U.S. government securities, whereas PIMCO Total Return invests in government bonds as well as high-yield, foreign debt, and currency plays. Thus, we provide two very different paths for employees to select. Wasatch Small Cap Growth WAAEX Jeff Cardon has the longest tenure of any of the managers in our 401 (k). He’s been running this closed fund since 1986 . He uses the same flexible small- cap-growth strategy that he’s used all along. However, over the years Wasatch has built up its analyst staff so that he receives more support than he did in the early years. K
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