Vestwell Advisors Investment Program Overview
For plans that engage Vestwell Advisors as its investment manager, this page provides a high level overview of the investment options available to plan participants.
Included in the investment program are managed accounts, risk models, target date models, and a core fund lineup.
Age-Based Investment Options
| Model Name | Wtd. Int. Expense Ratio | Fact Sheet |
|---|---|---|
| Target Retirement 2025 | 0.03% |  |
| Target Retirement 2030 | 0.03% | |
| Target Retirement 2035 | 0.03% | |
| Target Retirement 2040 | 0.03% | |
| Target Retirement 2045 | 0.03% | |
| Target Retirement 2050 | 0.03% | |
| Target Retirement 2055 | 0.03% | |
| Target Retirement 2060 | 0.03% | |
| Target Retirement 2065 | 0.03% | |
| Target Retirement 2070 or later | 0.03% | |
| Target Retirement Moderate | 0.03% | |
| Target Retirement Conservative | 0.04% | |
*Since the expense ratio of each fund is different, the weighted internal expense ratio uses a formula to blend expense ratios of each underlying ETF or fund in the portfolio. The result shown above is the expense ratio for all funds in the portfolio.
Risk-Based Investment Options
| Model Name | Expense Ratio | Fact Sheet |
|---|---|---|
| Vestwell Capital Preservation | 0.07% | |
| Vestwell Income | 0.04% | |
| Vestwell Conservative | 0.04% | |
| Vestwell Moderately Conservative | 0.03% | |
| Vestwell Moderate | 0.03% | |
| Vestwell Moderately Aggressive | 0.03% | |
| Vestwell Aggressive | 0.03% | |
Managed Account Lineup
| Name | Ticker | Expense Ratio | 1-Yr. Return | 5-Yr. | 10-Yr. |
|---|---|---|---|---|---|
| iShares Core International Aggt Bd ETF | IAAG | 0.07% | 10.39% | 0.45% | -% |
| iShares Core S&P 500 ETF | IVV | 0.03% | 36.31% | 15.94% | 13.34% |
| iShares Core S&P Small-Cap ETF | IJR | 0.06% | 25.76% | 10.14% | 10.00% |
| iShares Core US Aggregate Bond ETF | AGG | 0.03% | 11.55% | 0.31% | 1.81% |
| Schwab International Equity ETF™ | SCHF | 0.06% | 24.38% | 8.41% | 5.81% |
| Schwab US Large-Cap Growth ETF™ | SCHG | 0.04% | 44.04% | 20.57% | 16.50% |
| Schwab US REIT ETF™ | SCHH | 0.07% | 34.91% | 2.50% | 5.98% |
| Vanguard Emerging Markets Bond Admiral | VEGBX | 0.40% | 19.06% | 4.72% | -% |
| Vanguard Mid-Cap ETF | VO | 0.04% | 28.80% | 11.23% | 10.21% |
| Vanguard Value ETF | VTV | 0.04% | 29.78% | 12.25% | 10.79% |
Core Fund Lineup
| Name | Ticker | Expense Ratio | 1-Yr. Return | 5-Yr. | 10-Yr. |
|---|---|---|---|---|---|
| Fidelity Emerging Markets Idx | FPADX | 0.07% | 24.17% | 5.22% | 3.76% |
| Fidelity International Index | FSPSX | 0.04% | 25.36% | 8.37% | 5.87% |
| Fidelity Long-Term Trs Bd Index | FNBGX | 0.03% | 15.31% | -4.35% | 1.02% |
| Fidelity Total Market Index | FSKAX | 0.01% | 35.27% | 15.17% | 12.77% |
| Fidelity U.S. Bond Index | FXNAX | 0.02% | 11.52% | 0.34% | 1.82% |
| iShares Aaa - A Rated Corporate Bond ETF | QLTA | 0.15% | 13.33% | 0.67% | 2.46% |
| iShares Broad USD High Yield Corp Bd ETF | USHY | 0.15% | 15.92% | 4.49% | -% |
| iShares Core S&P Total US Stock Mkt ETF | ITOT | 0.03% | 35.24% | 15.15% | 12.81% |
| iShares Core Total USD Bond Market ETF | IUSB | 0.06% | 12.06% | 0.68% | 2.13% |
| iShares MSCI USA Quality Factor ETF | QUAL | 0.15% | 37.60% | 15.82% | 13.49% |
| iShares Short Treasury Bond ETF | SHV | 0.15% | 5.45% | 2.21% | 1.57% |
| iShares TIPS Bond ETF | TIP | 0.19% | 9.61% | 2.43% | 2.37% |
| Schwab Emerging Markets Equity ETF™ | SCHE | 0.11% | 26.43% | 6.28% | 4.35% |
| Schwab Short-Term US Treasury ETF™ | SCHO | 0.03% | 6.75% | 1.44% | 1.35% |
| Schwab Total Stock Market Index | SWTSX | 0.03% | 35.24% | 15.13% | 12.72% |
| Schwab Treasury Infl Protected Secs Idx | SWRSX | 0.05% | 9.69% | 2.55% | 2.44% |
| Schwab US Aggregate Bond ETF™ | SCHZ | 0.03% | 11.52% | 0.28% | 1.78% |
| Schwab US Aggregate Bond Index | SWAGX | 0.04% | 11.49% | 0.24% | -% |
| Schwab US Broad Market ETF™ | SCHB | 0.03% | 35.29% | 15.21% | 12.78% |
| SPDR® S&P 600 Small Cap Growth ETF | SLYG | 0.15% | 28.44% | 10.50% | 10.69% |
| SPDR® S&P 600 Small Cap Value ETF | SLYV | 0.15% | 22.66% | 9.33% | 9.02% |
| The Real Estate Select Sector SPDR® | XLRE | 0.08% | 35.69% | 6.09% | -% |
| VanEck Fallen Angel HiYld Bd ETF | ANGL | 0.33% | 14.96% | 5.23% | 6.20% |
| Vanguard Balanced Index Adm | VBIAX | 0.07% | 25.47% | 9.33% | 8.54% |
| Vanguard Cash Rsrv Federal MnyMktAdmiral | VMRXX | 0.10% | 5.42% | 2.33% | 1.72% |
| Vanguard FTSE All-Wld ex-US SmCp ETF | VSS | 0.08% | 22.44% | 7.12% | 5.00% |
| Vanguard FTSE Emerging Markets ETF | VWO | 0.08% | 25.03% | 6.45% | 4.22% |
| Vanguard High-Yield Corporate Adm | VWEAX | 0.12% | 14.46% | 4.00% | 4.74% |
| Vanguard Information Technology ETF | VGT | 0.10% | 42.41% | 23.20% | 20.69% |
| Vanguard Short-Term Bond Index Adm | VBRIX | 0.07% | 8.07% | 1.48% | 1.71% |
| Vanguard Short-Term Infl-Prot Secs ETF | VTIP | 0.04% | 7.53% | 3.56% | 2.38% |
| Vanguard Short-Term Treasury ETF | VGSH | 0.04% | 6.76% | 1.45% | 1.36% |
| Vanguard Small-Cap Growth ETF | VBK | 0.07% | 25.73% | 8.61% | 9.18% |
| Vanguard Small-Cap Value ETF | VBR | 0.07% | 28.67% | 11.59% | 9.58% |
| Vanguard Total World Stock ETF | VT | 0.07% | 31.18% | 12.15% | 9.51% |
There are risks inherent in any investment, including the decision not to invest, and there is no assurance that any investment, asset class, style or index will provide positive performance over time. Diversification and strategic asset allocation do not guarantee any outcome or protect against a loss. Past performance does not guarantee any future results. All investments are subject to risk, including the loss of principal. Consider the investment objectives, risks, and charges and expenses of the funds carefully before investing.
All data is provided by third party sources. Neither Vestwell Holdings Inc. nor any of its affiliates have independently reviewed, audited or verified the information provided by those sources. All content is provided for general information purposes and is not to be construed as investment advice. 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. Any estimated retirement income projections presented on Vestwell's sites are based on hypothetical investments in global equities, global bonds, and Treasury Inflation-Protected Securities. Other investments not considered may have characteristics similar or superior to those presented. Vestwell Advisors LLC is a subsidiary of Vestwell Holdings Inc. Vestwell Advisors LLC is an investment advisor registered with the Securities and Exchange Commission. A full prospectus is available by contacting Vestwell Advisors at info@vestwell.com. For more information about Vestwell Advisors, please refer to our Form ADV, which may be obtained at www.vestwell.com.