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401(k) Funds

Explore and view mutual funds offered in the Vista 401(k) Plan

American Century Investments

American Century Investments

Government Bond – This fund seeks to establish high current income by investing primarily in U.S. government debt securities. This fund invests in a broad range of government bond sectors, including Treasuries, government agencies and mortgages.

Morningstar Category: Intermediate Government
Ticker Symbol: CPTNX
Fund inception date: 5/16/80
Benchmark Index: Barclays U.S. Government/MBS Index
Download Prospectus
Download Fund Fact Sheet

Inflation Adjusted Bond – At least 80% of the fund’s assets are invested in inflation-linked bonds, which are designed to help investors keep pace with rising consumer prices. For example, the U.S. Treasury periodically adjusts the principal on Treasury Inflation-Protected Securities (TIPS) to reflect reported changes in the Consumer Price Index (CPI). The fund’s veteran management team invests primarily in investment-grade securities. TIPS account for the majority of the fund’s holdings and are backed by the full faith and credit of the U.S. government. High-quality bonds generally are less correlated to stock market movements than lower quality securities.

Morningstar Category: Inflation-Protected Bond
Ticker Symbol: ACITX
Fund inception date: 02/10/97
Benchmark Index: Barclays U.S. TIPS Index
Download Prospectus
Download Fund Fact Sheet

American Funds

American Funds Group

EuroPacific Growth – The fund’s investment objective is to provide long-term growth of capital. The fund invests primarily in common stocks of issuers in Europe and the Pacific Basin that the investment adviser believes have the potential for growth. Growth stocks are stocks that the investment adviser believes have the potential for above-average capital appreciation.

Morningstar Category: Foreign Large Growth
Ticker Symbol: REREX
Fund inception date: 4/16/84
Benchmark Index: MSCI ACWI Ex USA Growth NR USD
Download Prospectus
Download Fund Fact Sheet

Target Date Retirement Series – Depending on the proximity to its target date the fund will seek to achieve the following objectives to varying degrees: growth, income and conservation of capital. The fund will increasingly emphasize income and conservation of capital by investing a greater portion of its assets in bond, equity-income and balanced funds as it approaches and passes its target date. In this way, the fund seeks to balance total return and stability over time.

Morningstar Category: Target Date
Fund inception date: 2/1/07
Benchmark Index: Morningstar Mod Tgt Risk TR USD
Download Prospectus

Ticker Symbols:
RHATX     2010     Download Fund Fact Sheet
RHBTX     2015     Download Fund Fact Sheet
RHCTX     2020     Download Fund Fact Sheet
RHDTX     2025     Download Fund Fact Sheet
RHETX     2030     Download Fund Fact Sheet
RHFTX      2035     Download Fund Fact Sheet
RHGTX     2040     Download Fund Fact Sheet
RHHTX     2045     Download Fund Fact Sheet
RHITX      2050     Download Fund Fact Sheet
Fidelity Investments

Fidelity Investments

Fidelity Growth Strategies – Seeks capital appreciation. Normally investing in companies Fidelity believes offer the potential for accelerated earnings or revenue growth (stocks of these companies are often called “growth” stocks). Normally invests primarily in common stocks. Focuses investments in medium-sized companies, but may also invest substantially in larger or smaller companies. Disclaimer: Fidelity imposes a Short Term Redemption Fee on shares of this fund held less than 90 days (as a % of amount redeemed) of 1.5%.

Morningstar Category: Mid-Cap Growth
Ticker Symbol: FDEGX
Fund inception date: 12/28/90
Benchmark Index: Russell Mid-Cap Growth
Download Prospectus
Download Fund Fact Sheet

Fidelity Advisor Total Bond – Seeks high level of current income. The fund normally invests at least 80% of its assets in investment-grade debt securities of all types and repurchase agreements of those securities. The fund may invest up to 20% of its assets in lower-quality debt securities.

Morningstar Category: Intermediate Term Bond
Ticker Symbol: FEPIX
Fund inception date: 10/15/02
Benchmark Index: Barclays U.S. Aggregate Bond / Barclays U.S. Universal Bond
Download Prospectus
Download Fund Fact Sheet

Fidelity; International Index – International Index Fund- Seeks to provide investment results that correspond to the total return of foreign stock markets. Normally investing at least 80% of assets in common stocks included in the Morgan Stanley Capital International Europe, Australasia, Far East Index, which represents the performance of foreign stock markets.

Morningstar Category: Large Blend
Ticker Symbol: FSPSX
Fund inception date: 9/8/2011
Benchmark Index: MSCI EAFE

 

JP Morgan

JP Morgan

Equity Income Fund – The Fund seeks current income through regular payment of dividends with the secondary goal of capital appreciation. The Fund invests 80% of its net assets in the equity securities of corporations that regularly pay dividends, including common stocks and debt securities and preferred stock convertible to common stock.

Morningstar Category: Large Value
Ticker Symbol: OIERX
Fund inception date: 2/28/2011
Benchmark Index: S&P 500

T. Rowe Price

T. Rowe Price Funds

Blue Chip Growth – The fund seeks long-term growth of capital by investing primarily in common stocks of well-established large and medium-sized companies. Income is a secondary objective. Focus on “blue chip” companies with the following characteristics: Leading market positions; seasoned management teams; strong financial conditions; Above-average growth and profitability

Morningstar Category: Large Growth
Ticker Symbol: PABGX
Fund inception date: 3/31/00
Benchmark Indexes: S&P 500 Index
Download Prospectus
Download Fund Fact Sheet

Dividend Growth – The fund seeks dividend income and long-term growth primarily through investments in stocks. Invests 65% of total assets in common stocks of dividend-paying companies that are expected to increase their dividends over time and provide long-term appreciation.

Morningstar Category: Large Blend
Ticker Symbol: TADGX
Fund inception date: 12/29/05
Benchmark Index: S&P 500 Index
Download Prospectus
Download Fund Fact Sheet

Small Cap Stock – The fund seeks to provide long-term capital growth by investing in stocks of small companies. A small company is defined as having a market capitalization of between $300 million and $2 billion.

Morningstar Category: Small Growth
Ticker Symbol: OTCFX
Fund inception date: 6/1/56
Benchmark Index: Russell 2000 Index
Download Prospectus
Download Fund Fact Sheet

Vanguard Funds

Vanguard Group

Balanced Index – Seeks with 60% of its assets to track the investment performance of a benchmark index that measures the investment return of the overall U.S. stock market. With 40% of its assets, the fund seeks to track the investment performance of a broad, market-weighted bond index.

Morningstar Category: Allocation– 50% to 70% Equity
Ticker Symbol: VBAIX
Fund inception date: 12/01/00
Benchmark Index: Balanced Composite Index
Download Prospectus
Download Fund Fact Sheet

Federal Money Market – Seeks to provide current income while maintaining liquidity and a stable share price of $1.00. The fund invests primarily in high-quality, short-term money market instruments issued by the U.S. government and its agencies and instrumentalities.

Morningstar Category: Money Market
Ticker Symbol: VMFXX
Fund inception date: 07/13/81
Benchmark Index: US Gov’t Money Market Funds Average
Download Prospectus
Download Fund Fact Sheet

Institutional Index – Seeks to track the performance of a benchmark index that measures the investment return of large-capitalization stocks. The fund employs an indexing investment approach designed to track the performance of the Standard and Poor’s 500 Index, which is dominated by the stocks of large U.S. companies.

Morningstar Category: Large Blend
Ticker Symbol: VINIX
Fund inception date: 7/31/90
Benchmark Index: S&P 500 Index
Download Prospectus
Download Fund Fact Sheet

Mid-Cap Index – Seeks to track the performance of a benchmark index that measures the investment return of mid-capitalization stocks. The fund employs an indexing investment approach designed to track the performance of the Spliced Mid Cap Index, a broadly diversified index of stocks of medium-size companies.

Morningstar Category: Mid Cap Blend
Ticker Symbol: VIMAX
Fund inception date: 11/12/01
Benchmark Index: Spliced Mid Cap Index
Download Prospectus
Download Fund Fact Sheet

Small-Cap Index – Seeks to track the performance of a benchmark index that measures the investment return of small-capitalization stocks.

Morningstar Category: Small Blend
Ticker Symbol: VSMAX
Fund inception date: 11/13/00
Benchmark Index: Spliced Small Cap Index
Download Prospectus
Download Fund Fact Sheet

Wellesley Income – Seeks to provide long-term growth of income and a high and sustainable level of current income, along with moderate long-term capital appreciation. The fund invests approximately 60% to 65% of assets in investment-grade corporate, U.S. Treasury, and government agency bonds, as well as mortgage-backed securities. The remaining 35% to 40% of fund assets are invested in common stocks of companies that have a history of above-average dividends or expectations of increasing dividends.

Morningstar Category: Allocation 30% – 50% equity
Ticker Symbol: VWIAX
Fund inception date: 05/14/01
Benchmark Index: Wellesley Income Composite Index
Download Prospectus
Download Fund Fact Sheet

Wellington – Seeks to provide long-term capital appreciation and reasonable current income. The fund invests 60% to 70% of assets in dividend-paying, and, to a lesser extent, non-dividend-paying common stocks of established, medium-size and large companies. It invests 30% to 40% of the fund’s assets mainly in fixed income securities. These securities include investment-grade corporate bonds, with some exposure to U.S. Treasury and government agency bonds, as well as mortgage-backed securities.

Morningstar Category: Allocation 50% to 70% equity
Ticker Symbol: VWENX
Fund inception date: 05/14/01
Benchmark Index: Wellington Composite Index
Download Prospectus
Download Fund Fact Sheet

Stock Funds

Large Cap

T. Rowe Price Funds

Blue Chip Growth – The fund seeks long-term growth of capital by investing primarily in common stocks of well-established large and medium-sized companies. Income is a secondary objective. Focus on “blue chip” companies with the following characteristics: Leading market positions; seasoned management teams; strong financial conditions; Above-average growth and profitability

Morningstar Category: Large Growth
Ticker Symbol: PABGX
Fund inception date: 3/31/00
Benchmark Indexes: S&P 500 Index
Download Prospectus
Download Fund Fact Sheet

T. Rowe Price Funds

Dividend Growth – The fund seeks dividend income and long-term growth primarily through investments in stocks. Invests 65% of total assets in common stocks of dividend-paying companies that are expected to increase their dividends over time and provide long-term appreciation.

Morningstar Category: Large Blend
Ticker Symbol: TADGX
Fund inception date: 12/29/05
Benchmark Index: S&P 500 Index
Download Prospectus
Download Fund Fact Sheet

Vanguard Group

Institutional Index – Seeks to track the performance of a benchmark index that measures the investment return of large-capitalization stocks. The fund employs an indexing investment approach designed to track the performance of the Standard and Poor’s 500 Index, which is dominated by the stocks of large U.S. companies.

Morningstar Category: Large Blend
Ticker Symbol: VINIX
Fund inception date: 7/31/90
Benchmark Index: S&P 500 Index
Download Prospectus
Download Fund Fact Sheet

Mid-Cap

Fidelity Investments

Fidelity Growth Strategies – Seeks capital appreciation. Normally investing in companies Fidelity believes offer the potential for accelerated earnings or revenue growth (stocks of these companies are often called “growth” stocks). Normally invests primarily in common stocks. Focuses investments in medium-sized companies, but may also invest substantially in larger or smaller companies. Disclaimer: Fidelity imposes a Short Term Redemption Fee on shares of this fund held less than 90 days (as a % of amount redeemed) of 1.5%.

Morningstar Category: Mid-Cap Growth
Ticker Symbol: FDEGX
Fund inception date: 12/28/90
Benchmark Index: Russell Mid-Cap Growth
Download Prospectus
Download Fund Fact Sheet

Vanguard Group

Mid-Cap Index – Seeks to track the performance of a benchmark index that measures the investment return of mid-capitalization stocks. The fund employs an indexing investment approach designed to track the performance of the Spliced Mid Cap Index, a broadly diversified index of stocks of medium-size companies.

Morningstar Category: Mid Cap Blend
Ticker Symbol: VIMAX
Fund inception date: 11/12/01
Benchmark Index: Spliced Mid Cap Index
Download Prospectus
Download Fund Fact Sheet

Small Cap

Vanguard Group

Small-Cap Index – Seeks to track the performance of a benchmark index that measures the investment return of small-capitalization stocks.

Morningstar Category: Small Blend
Ticker Symbol: VSMAX
Fund inception date: 11/13/00
Benchmark Index: Spliced Small Cap Index
Download Prospectus
Download Fund Fact Sheet

T. Rowe Price Funds

Small Cap Stock – The fund seeks to provide long-term capital growth by investing in stocks of small companies. A small company is defined as having a market capitalization of between $300 million and $2 billion.

Morningstar Category: Small Growth
Ticker Symbol: OTCFX
Fund inception date: 6/1/56
Benchmark Index: Russell 2000 Index
Download Prospectus
Download Fund Fact Sheet

International

American Funds Group

EuroPacific Growth – The fund’s investment objective is to provide long-term growth of capital. The fund invests primarily in common stocks of issuers in Europe and the Pacific Basin that the investment adviser believes have the potential for growth. Growth stocks are stocks that the investment adviser believes have the potential for above-average capital appreciation.

Morningstar Category: Foreign Large Growth
Ticker Symbol: REREX
Fund inception date: 4/16/84
Benchmark Index: MSCI ACWI Ex USA Growth NR USD
Download Prospectus
Download Fund Fact Sheet

Stock & Bonds Funds

Vanguard Group

Balanced Index – Seeks with 60% of its assets to track the investment performance of a benchmark index that measures the investment return of the overall U.S. stock market. With 40% of its assets, the fund seeks to track the investment performance of a broad, market-weighted bond index.

Morningstar Category: Allocation– 50% to 70% Equity
Ticker Symbol: VBAIX
Fund inception date: 12/01/00
Benchmark Index: Balanced Composite Index
Download Prospectus
Download Fund Fact Sheet

Vanguard Group

Wellesley Income – Seeks to provide long-term growth of income and a high and sustainable level of current income, along with moderate long-term capital appreciation. The fund invests approximately 60% to 65% of assets in investment-grade corporate, U.S. Treasury, and government agency bonds, as well as mortgage-backed securities. The remaining 35% to 40% of fund assets are invested in common stocks of companies that have a history of above-average dividends or expectations of increasing dividends.

Morningstar Category: Allocation 30% – 50% equity
Ticker Symbol: VWIAX
Fund inception date: 05/14/01
Benchmark Index: Wellesley Income Composite Index
Download Prospectus
Download Fund Fact Sheet

Vanguard Group

Wellington – Seeks to provide long-term capital appreciation and reasonable current income. The fund invests 60% to 70% of assets in dividend-paying, and, to a lesser extent, non-dividend-paying common stocks of established, medium-size and large companies. It invests 30% to 40% of the fund’s assets mainly in fixed income securities. These securities include investment-grade corporate bonds, with some exposure to U.S. Treasury and government agency bonds, as well as mortgage-backed securities.

Morningstar Category: Allocation 50% to 70% equity
Ticker Symbol: VWENX
Fund inception date: 05/14/01
Benchmark Index: Wellington Composite Index
Download Prospectus
Download Fund Fact Sheet

American Funds Group

Target Date Retirement Series – Depending on the proximity to its target date the fund will seek to achieve the following objectives to varying degrees: growth, income and conservation of capital. The fund will increasingly emphasize income and conservation of capital by investing a greater portion of its assets in bond, equity-income and balanced funds as it approaches and passes its target date. In this way, the fund seeks to balance total return and stability over time.

Morningstar Category: Target Date
Fund inception date: 2/1/07
Benchmark Index: Morningstar Mod Tgt Risk TR USD
Download Prospectus

Ticker Symbols:
RHATX     2010     Download Fund Fact Sheet
RHBTX     2015     Download Fund Fact Sheet
RHCTX     2020     Download Fund Fact Sheet
RHDTX     2025     Download Fund Fact Sheet
RHETX     2030     Download Fund Fact Sheet
RHFTX     2035     Download Fund Fact Sheet
RHGTX    2040     Download Fund Fact Sheet
RHHTX    2045     Download Fund Fact Sheet
RHITX     2050     Download Fund Fact Sheet
Bond Funds

American Century Investments

Government Bond – This fund seeks to establish high current income by investing primarily in U.S. government debt securities. This fund invests in a broad range of government bond sectors, including Treasuries, government agencies and mortgages.

Morningstar Category: Intermediate Government
Ticker Symbol: CPTNX
Fund inception date: 5/16/80
Benchmark Index: Barclays U.S. Government/MBS Index
Download Prospectus
Download Fund Fact Sheet

American Century Investments

Inflation Adjusted Bond – At least 80% of the fund’s assets are invested in inflation-linked bonds, which are designed to help investors keep pace with rising consumer prices. For example, the U.S. Treasury periodically adjusts the principal on Treasury Inflation-Protected Securities (TIPS) to reflect reported changes in the Consumer Price Index (CPI). The fund’s veteran management team invests primarily in investment-grade securities. TIPS account for the majority of the fund’s holdings and are backed by the full faith and credit of the U.S. government. High-quality bonds generally are less correlated to stock market movements than lower quality securities.

Morningstar Category: Inflation-Protected Bond
Ticker Symbol: ACITX
Fund inception date: 02/10/97
Benchmark Index: Barclays U.S. TIPS Index
Download Prospectus
Download Fund Fact Sheet

Fidelity Investments

Fidelity Advisor Total Bond – Seeks high level of current income. The fund normally invests at least 80% of its assets in investment-grade debt securities of all types and repurchase agreements of those securities. The fund may invest up to 20% of its assets in lower-quality debt securities.

Morningstar Category: Intermediate Term Bond
Ticker Symbol: FEPIX
Fund inception date: 10/15/02
Benchmark Index: Barclays U.S. Aggregate Bond / Barclays U.S. Universal Bond
Download Prospectus
Download Fund Fact Sheet

Cash Equivalent Funds

Vanguard Group

Federal Money Market – Seeks to provide current income while maintaining liquidity and a stable share price of $1.00. The fund invests primarily in high-quality, short-term money market instruments issued by the U.S. government and its agencies and instrumentalities.

Morningstar Category: Money Market
Ticker Symbol: VMFXX
Fund inception date: 07/13/81
Benchmark Index: US Gov’t Money Market Funds Average
Download Prospectus
Download Fund Fact Sheet

Morningstar, Inc. is a leading provider of independent investment research in North America, Europe, Australia, and Asia, and is widely considered one of the most recognized and trusted names in the investment industry. Morningstar provides data on approximately 525,000 investment offerings, including stocks, mutual funds, and similar vehicles, along with real-time global market data on nearly 18 million equities, indexes, futures, options, commodities, and precious metals, in addition to foreign exchange and Treasury markets.

Morningstar Fund Ratings work by assigning mutual funds a rating from 1 to 5 stars based on how well they’ve performed (after adjusting for risk and accounting for sales charges) in comparison to similar funds. Within each Morningstar Category, the top 10% of funds receive 5 stars and the bottom 10% receive 1 star. Funds are rated for up to three time periods-three-, five-, and 10-years and these ratings are combined to produce an overall rating. Funds with less than three years of history are not rated. Ratings are objective, based entirely on a mathematical evaluation of past performance. They’re a useful tool for identifying funds worthy of further research, but shouldn’t be considered buy or sell signals.

Disclosure: Morningstar updates its ratings each year for the defined periods based on the performance of the previous year period, accounting for significant changes in the fund compared to the tracked categories. Vista 401(k) will monitor for any such changes but cannot guarantee that, if updates occur, that they will be discovered on a timely basis.

Stock Funds

Foreign Large Growth

American Funds Group

EuroPacific Growth – The fund’s investment objective is to provide long-term growth of capital. The fund invests primarily in common stocks of issuers in Europe and the Pacific Basin that the investment adviser believes have the potential for growth. Growth stocks are stocks that the investment adviser believes have the potential for above-average capital appreciation.

Ticker Symbol: REREX
Morningstar Overall Rating: 4 Stars
Morningstar Risk: Below Average
Morningstar Return: Average
Download Prospectus
Download Fund Fact Sheet

Large Blend

American Funds Group

The Investment Company of America – The fund’s investment objectives are to achieve long-term growth of capital and income. The fund invests primarily in common stocks, most of which have a history of paying dividends. The fund may invest up to 15% of its assets, at the time of purchase, in securities of issuers domiciled outside the United States.

Ticker Symbol: RICEX
Morningstar Overall Rating: 3 Stars
Morningstar Risk: Below Average
Morningstar Return: Above Average
Download Prospectus
Download Fund Fact Sheet

T. Rowe Price Funds

Dividend Growth – The fund seeks dividend income and long-term growth primarily through investments in stocks. Invests 65% of total assets in common stocks of dividend-paying companies that are expected to increase their dividends over time and provide long-term appreciation.

Ticker Symbol: TADGX
Morningstar Overall Rating: 4 Stars
Morningstar Risk: Low
Morningstar Return: Average
Download Prospectus
Download Fund Fact Sheet

Vanguard Group

Institutional Index – Seeks to track the performance of a benchmark index that measures the investment return of large-capitalization stocks. The fund employs an indexing investment approach designed to track the performance of the Standard and Poor’s 500 Index, which is dominated by the stocks of large U.S. companies.

Ticker Symbol: VINIX
Morningstar Overall Rating: 4 Stars
Morningstar Risk: Below Average
Morningstar Return: Above Average
Download Prospectus
Download Fund Fact Sheet

Large Growth

T. Rowe Price Funds

Blue Chip Growth – The fund seeks long-term growth of capital by investing primarily in common stocks of well-established large and medium-sized companies. Income is a secondary objective. Focus on “blue chip” companies with the following characteristics: Leading market positions; seasoned management teams; strong financial conditions; Above-average growth and profitability

Ticker Symbol: PABGX
Morningstar Overall Rating: 4 Stars
Morningstar Risk: Above Average
Morningstar Return: Above Average
Download Prospectus
Download Fund Fact Sheet

Mid Cap Blend

Vanguard Group

Mid-Cap Index – Seeks to track the performance of a benchmark index that measures the investment return of mid-capitalization stocks. The fund employs an indexing investment approach designed to track the performance of the Spliced Mid Cap Index, a broadly diversified index of stocks of medium-size companies.

Ticker Symbol: VIMAX
Morningstar Overall Rating: 4 Stars
Morningstar Risk: Below Average
Morningstar Return: Above Average
Download Prospectus
Download Fund Fact Sheet

Mid Cap Growth

Fidelity Investments

Fidelity Growth Strategies – Seeks capital appreciation. Normally investing in companies Fidelity believes offer the potential for accelerated earnings or revenue growth (stocks of these companies are often called “growth” stocks). Normally invests primarily in common stocks. Focuses investments in medium-sized companies, but may also invest substantially in larger or smaller companies. Disclaimer: Fidelity imposes a Short Term Redemption Fee on shares of this fund held less than 90 days (as a % of amount redeemed) of 1.5%.

Ticker Symbol: FDEGX
Morningstar Overall Rating: 3 Stars
Morningstar Risk: Low
Morningstar Return: Above Average
Download Prospectus
Download Fund Fact Sheet

Small Blend

Vanguard Group

Small-Cap Index – Seeks to track the performance of a benchmark index that measures the investment return of small-capitalization stocks.

Ticker Symbol: VSMAX
Morningstar Overall Rating: 4 Stars
Morningstar Risk: Below Average
Morningstar Return: Above Average
Download Prospectus
Download Fund Fact Sheet

Small Growth

T. Rowe Price Funds

Small Cap Stock – The fund seeks to provide long-term capital growth by investing in stocks of small companies. A small company is defined as having a market capitalization of between $300 million and $2 billion.

Ticker Symbol: OTCFX
Morningstar Overall Rating: 4 Stars
Morningstar Risk: Below Average
Morningstar Return: Above Average
Download Prospectus
Download Fund Fact Sheet

Stock & Bond Funds

Conservative Allocation

Vanguard Group

Wellesley Income – Seeks to provide long-term growth of income and a high and sustainable level of current income, along with moderate long-term capital appreciation. The fund invests approximately 60% to 65% of assets in investment-grade corporate, U.S. Treasury, and government agency bonds, as well as mortgage-backed securities. The remaining 35% to 40% of fund assets are invested in common stocks of companies that have a history of above-average dividends or expectations of increasing dividends.

Ticker Symbol: VWIAX
Morningstar Overall Rating: 5 Stars
Morningstar Risk: Below Average
Morningstar Return: High
Download Prospectus
Download Fund Fact Sheet

Moderate Allocation

Vanguard Group

Balanced Index – Seeks with 60% of its assets to track the investment performance of a benchmark index that measures the investment return of the overall U.S. stock market. With 40% of its assets, the fund seeks to track the investment performance of a broad, market-weighted bond index.

Ticker Symbol: VBAIX
Morningstar Overall Rating: 5 Stars
Morningstar Risk: Below Average
Morningstar Return: Above Average
Download Prospectus
Download Fund Fact Sheet

Vanguard Group

Wellington – Seeks to provide long-term capital appreciation and reasonable current income. The fund invests 60% to 70% of assets in dividend-paying, and, to a lesser extent, non-dividend-paying common stocks of established, medium-size and large companies. It invests 30% to 40% of the fund’s assets mainly in fixed income securities. These securities include investment-grade corporate bonds, with some exposure to U.S. Treasury and government agency bonds, as well as mortgage-backed securities.

Ticker Symbol: VWENX
Morningstar Overall Rating: 5 Stars
Morningstar Risk: Average
Morningstar Return: High
Download Prospectus
Download Fund Fact Sheet

Target Date

American Funds Group

Target Date Retirement Series – Depending on the proximity to its target date the fund will seek to achieve the following objectives to varying degrees: growth, income and conservation of capital. The fund will increasingly emphasize income and conservation of capital by investing a greater portion of its assets in bond, equity-income and balanced funds as it approaches and passes its target date. In this way, the fund seeks to balance total return and stability over time.

Morningstar Overall Rating: 5 Stars
Morningstar Risk: Above Average/Average/Below Average
Morningstar Return: High
Benchmark Index: Morningstar Mod Tgt Risk TR USD

Ticker Symbols:
RHATX     2010     Download Fund Fact Sheet
RHBTX     2015     Download Fund Fact Sheet
RHCTX     2020     Download Fund Fact Sheet
RHDTX     2025     Download Fund Fact Sheet
RHETX     2030     Download Fund Fact Sheet
RHFTX     2035     Download Fund Fact Sheet
RHGTX    2040     Download Fund Fact Sheet
RHHTX    2045     Download Fund Fact Sheet
RHITX     2050     Download Fund Fact Sheet
Bond Funds

Inflation Protected

American Century Investments

Inflation Adjusted Bond – At least 80% of the fund’s assets are invested in inflation-linked bonds, which are designed to help investors keep pace with rising consumer prices. For example, the U.S. Treasury periodically adjusts the principal on Treasury Inflation-Protected Securities (TIPS) to reflect reported changes in the Consumer Price Index (CPI). The fund’s veteran management team invests primarily in investment-grade securities. TIPS account for the majority of the fund’s holdings and are backed by the full faith and credit of the U.S. government. High-quality bonds generally are less correlated to stock market movements than lower quality securities.

Ticker Symbol: ACITX
Morningstar Overall Rating: 3 Stars
Morningstar Risk: Above Average
Morningstar Return: Average
Download Prospectus
Download Fund Fact Sheet

Intermediate Government

American Century Investments

Government Bond – This fund seeks to establish high current income by investing primarily in U.S. government debt securities. This fund invests in a broad range of government bond sectors, including Treasuries, government agencies and mortgages.

Ticker Symbol: CPTNX
Morningstar Overall Rating: 3 Stars
Morningstar Risk: Average
Morningstar Return: Averagehttps://www.vista401k.com/wp-admin/post.php?post=29270&action=edit#
Download Prospectus
Download Fund Fact Sheet

Intermediate-Term Bond

Fidelity Investments

Fidelity Advisor Total Bond – Seeks high level of current income. The fund normally invests at least 80% of its assets in investment-grade debt securities of all types and repurchase agreements of those securities. The fund may invest up to 20% of its assets in lower-quality debt securities.

Ticker Symbol: FEPIX
Morningstar Overall Rating: 4 Stars
Morningstar Risk: Above Average
Morningstar Return: Above Average
Download Prospectus
Download Fund Fact Sheet

Cash Equivalent Funds

Money Market

Vanguard Group

Federal Money Market – Seeks to provide current income while maintaining liquidity and a stable share price of $1.00. The fund invests primarily in high-quality, short-term money market instruments issued by the U.S. government and its agencies and instrumentalities.

Ticker Symbol: VMFXX
Morningstar Overall Rating: N/A
Morningstar Risk: N/A
Morningstar Return: N/A
Download Prospectus
Download Fund Fact Sheet

Alpha and Beta are both risk ratios that investors may use as a tool to calculate, compare and predict returns. Both measurements utilize benchmark indexes, such as the S&P 500, and compare them against the individual security to highlight a particular performance tendency.

Alpha ratios are used as a method to measure the difference between a portfolio’s actual returns and what it might be expected to deliver based on its level of risk and other market factors. The baseline number for Alpha is 0, with positive alpha generally meaning good performance relative to the comparable market and negative alpha meaning poor performance.

Beta is used as a gauge for volatility of a specific security compared to the performance of a related benchmark or overall market over a period of time. The baseline number for beta calculations is one. If beta is a one this is an indication the security’s price moves in line with the market. If beta is less than one, the security is less volatile, and if greater than one more volatile compared to the broader market.

Both alpha and beta are backwards-looking risk ratios. All calculations are made using past results, and past performance does not guarantee future results. Nonetheless, alpha and beta can help differentiate between relatively good and relatively poor investments over a defined period of time. The order of the funds listed in each category below start with the funds with the lowest beta/risk over the previous 3-year period, as compared with the index or benchmark that the fund is using for comparative purposes. As you scroll down the list in each category, the beta for the funds in that category will increase.

Disclaimer: Alpha and Beta measurements change from time to time if the funds composition and performance of securities shifts relative to the market as a whole or to the fund’s benchmark and the total risk analysis of all of the individual securities in the fund significantly changes relative to the benchmarks. Vista 401(k) will monitor for any such changes but cannot guarantee that, as such re-categorization occurs it will be discovered on a timely basis.

Stock Funds

American Funds Group

EuroPacific Growth – The fund’s investment objective is to provide long-term growth of capital. The fund invests primarily in common stocks of issuers in Europe and the Pacific Basin that the investment adviser believes have the potential for growth. Growth stocks are stocks that the investment adviser believes have the potential for above-average capital appreciation.

Ticker Symbol: REREX
Alpha: 0.86
Beta: 0.89
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T. Rowe Price Funds

Small Cap Stock – The fund seeks to provide long-term capital growth by investing in stocks of small companies. A small company is defined as having a market capitalization of between $300 million and $2 billion.

Ticker Symbol: OTCFX
Alpha: 1.30
Beta: 0.89
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T. Rowe Price Funds

Dividend Growth – The fund seeks dividend income and long-term growth primarily through investments in stocks. Invests 65% of total assets in common stocks of dividend-paying companies that are expected to increase their dividends over time and provide long-term appreciation.

Ticker Symbol: TADGX
Alpha: 0.70
Beta: 0.91
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Fidelity Investments

Fidelity Growth Strategies – Seeks capital appreciation. Normally investing in companies Fidelity believes offer the potential for accelerated earnings or revenue growth (stocks of these companies are often called “growth” stocks). Normally invests primarily in common stocks. Focuses investments in medium-sized companies, but may also invest substantially in larger or smaller companies. Disclaimer: Fidelity imposes a Short Term Redemption Fee on shares of this fund held less than 90 days (as a % of amount redeemed) of 1.5%.

Ticker Symbol: FDEGX
Alpha: -1.28
Beta: 0.90
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Vanguard Group

Small-Cap Index – Seeks to track the performance of a benchmark index that measures the investment return of small-capitalization stocks.

Ticker Symbol: VSMAX
Alpha: 0.50
Beta: 0.93
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JPMorgan

Mut Fund Fam Name:            JPMorgan Equity Income Fund
Ticker Symbol:                        OIERX
Fund Exp Ratio:                      .59%
Wrap Fee:                               .50%
Oper. Exp as %/Per 1,000      1.09%/$10.90

 

Vanguard Group

Mid-Cap Index

Seeks to track the performance of a benchmark index that measures the investment return of mid-capitalization stocks. The fund employs an indexing investment approach designed to track the performance of the Spliced Mid Cap Index, a broadly diversified index of stocks of medium-size companies.

Ticker Symbol: VIMAX
Alpha: -0.03
Beta: 0.99
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Vanguard Group

Institutional Index – Seeks to track the performance of a benchmark index that measures the investment return of large-capitalization stocks. The fund employs an indexing investment approach designed to track the performance of the Standard and Poor’s 500 Index, which is dominated by the stocks of large U.S. companies.

Ticker Symbol: VINIX
Alpha: -0.02
Beta: 1.00
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T. Rowe Price Funds

Blue Chip Growth – The fund seeks long-term growth of capital by investing primarily in common stocks of well-established large and medium-sized companies. Income is a secondary objective. Focus on “blue chip” companies with the following characteristics: Leading market positions; seasoned management teams; strong financial conditions; Above-average growth and profitability

Ticker Symbol: PABGX
Alpha: 0.87
Beta: 0.99
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Stock & Bond Funds

Vanguard Group

Balanced Index – Seeks with 60% of its assets to track the investment performance of a benchmark index that measures the investment return of the overall U.S. stock market. With 40% of its assets, the fund seeks to track the investment performance of a broad, market-weighted bond index.

Ticker Symbol: VBAIX
Alpha: 0.94
Beta: 0.60
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Vanguard Group

Wellington – Seeks to provide long-term capital appreciation and reasonable current income. The fund invests 60% to 70% of assets in dividend-paying, and, to a lesser extent, non-dividend-paying common stocks of established, medium-size and large companies. It invests 30% to 40% of the fund’s assets mainly in fixed income securities. These securities include investment-grade corporate bonds, with some exposure to U.S. Treasury and government agency bonds, as well as mortgage-backed securities.

Ticker Symbol: VWENX
Alpha: 0.19
Beta: 0.66
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Vanguard Group

Wellesley Income – Seeks to provide long-term growth of income and a high and sustainable level of current income, along with moderate long-term capital appreciation. The fund invests approximately 60% to 65% of assets in investment-grade corporate, U.S. Treasury, and government agency bonds, as well as mortgage-backed securities. The remaining 35% to 40% of fund assets are invested in common stocks of companies that have a history of above-average dividends or expectations of increasing dividends.

Ticker Symbol: VWIAX
Alpha: 2.43
Beta: 0.84
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American Funds Group

Target Date Retirement Series – Depending on the proximity to its target date the fund will seek to achieve the following objectives to varying degrees: growth, income and conservation of capital. The fund will increasingly emphasize income and conservation of capital by investing a greater portion of its assets in bond, equity-income and balanced funds as it approaches and passes its target date. In this way, the fund seeks to balance total return and stability over time.

Alpha: 0.96-1.14
Beta: 0.75-1.37
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Ticker Symbols:
RHATX     2010     Download Fund Fact Sheet
RHBTX     2015     Download Fund Fact Sheet
RHCTX     2020     Download Fund Fact Sheet
RHDTX     2025     Download Fund Fact Sheet
RHETX     2030     Download Fund Fact Sheet
RHFTX     2035     Download Fund Fact Sheet
RHGTX    2040     Download Fund Fact Sheet
RHHTX    2045     Download Fund Fact Sheet
RHITX     2050     Download Fund Fact Sheet
Bond Funds

Fidelity Investments

Fidelity Advisor Total Bond – Seeks high level of current income. The fund normally invests at least 80% of its assets in investment-grade debt securities of all types and repurchase agreements of those securities. The fund may invest up to 20% of its assets in lower-quality debt securities.

Ticker Symbol: FEPIX
Alpha: 0.58
Beta: 0.76
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American Century Investments

Government Bond – This fund seeks to establish high current income by investing primarily in U.S. government debt securities. This fund invests in a broad range of government bond sectors, including Treasuries, government agencies and mortgages.

Ticker Symbol: CPTNX
Alpha: -0.01
Beta: 1.11
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American Century Investments

Inflation Adjusted Bond – At least 80% of the fund’s assets are invested in inflation-linked bonds, which are designed to help investors keep pace with rising consumer prices. For example, the U.S. Treasury periodically adjusts the principal on Treasury Inflation-Protected Securities (TIPS) to reflect reported changes in the Consumer Price Index (CPI). The fund’s veteran management team invests primarily in investment-grade securities. TIPS account for the majority of the fund’s holdings and are backed by the full faith and credit of the U.S. government. High-quality bonds generally are less correlated to stock market movements than lower quality securities.

Ticker Symbol: ACITX
Alpha: -0.50
Beta: 1.02
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Cash Equivalent Funds

Vanguard Group

Federal Money Market – Seeks to provide current income while maintaining liquidity and a stable share price of $1.00. The fund invests primarily in high-quality, short-term money market instruments issued by the U.S. government and its agencies and instrumentalities.

Ticker Symbol: VMFXX
Alpha: 0.01
Beta: 0.21
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Note: Sources of the fund descriptions include the fund fact sheet, fund prospectus, and Morningstar. Past performance is no guarantee of future results.

* Alpha/Beta Description sourced from Investopedia

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