Employee Fiduciary gives employers the freedom to offer the most efficient, lowest-cost investments in the industry.

  
   
 

Here is an example of a diversified menu of low-cost investments, built with exchange traded funds (ETFs). In general, ETFs provide very efficient ways for companies with $5-$50 million in plan assets to save for retirement. Because of transaction costs and fractional trading issues, however, participants in smaller plans may find low-cost index funds a more cost-effective alternative.*

  
 


Sample EF Smart Plan Low-Cost Investments (w/ ETFs)

Investment Categories

Symbol

Expense Ratio

Turnover

 

Benchmark

           

 Bond Market ETFs:

 

 

 

 

 

     Barclay iShares Lehman TIPS
      Bond Fund
TIP
 
0.20%
 
2%
 

 
       Lehman Treasury Inflation
                 Notes Index

     Barclay iShares Lehman US
      Aggregate Bond Index

AGG
 

0.20%
 

165%
 


 

Lehman Aggregate
 

 

 

 

 

 

 

 US Equity - Broad Market ETFs:

 

 

 

 

 

     Dow Jones US Total Market Fund

IYY

0.20%

5%

 

Wilshire 5000

     Barclay iShares Russell 3000

IWV

0.20%

4%

Wilshire 5000

 

 

 

 

 

 

 US Equity – Large Cap ETFs:

 

 

 

 

 

     Barclay iShares S&P 500

IVV

0.09%

3%

S&P 500 Index

     Barclay iShares S&P 500/
      Barra Growth

IVW

0.18%

14%

S&P 500 Index

     Barclay iShares S&P 500/
      Barra Value

IVE

0.18%

5%

 

S&P 500 Index

     Barclay iShares Russell 1000

IWB

0.15%

5%

 

S&P 500 Index

     Barclay iShares Russell 1000 Growth

IWF

0.20%

9%

 

S&P 500 Index

     Barclay iShares Russell 1000 Value

IWD

0.20%

12%

 

S&P 500 Index

 

 

 

 

 

 

 US Equity - Small/Mid Cap Funds:

 

 

 

 

 

     Barclay iShares S&P Mid Cap 400

IJH

0.20%

11%

 

Wilshire 4500 Comp. Index

     Barclay iShares S&P Small Cap 600

IJR

0.20%

11%

 

Wilshire 4500 Comp. Index

     Barclay iShares Russell 2000

IWM

0.20%

26%

 

Wilshire 4500 Comp. Index

 

 

 

 

 

 

 International Equity:

 

 

 

 

 

     Barclay iShares MSCI EAFE Index

EFA

0.35%

7%

 

EAFE

           

 
  * Other funds available on request.  
 

 

 Employee Fiduciary does not offer investment advice and makes no representation, either explicit or implied, regarding the suitability of specific investments, funds or family of funds. Employee Fiduciary has no affiliation with any fund, including those mentioned, and accepts no revenue from these vendors or any other vendor with whom it works.