Investment Options

The information below displays the investment options available under the Plan. You can choose from a menu of investment options that cover the risk/reward spectrum allowing you to select from conservative choices, moderate growth and income funds, or aggressive growth opportunities in both U.S. and international markets. International investing involves special risks such as currency fluctuation, lower liquidity, political and economic uncertainties, and differences in accounting standards. 

For each investment option, click on the fund name to open a fund fact sheet that provides important information about the investment option, including fund expenses. Each investment option has a numeric fund code you will need when making investment changes on-line or via telephone.

You should consider the investment objectives, risks, and charges and expenses of the mutual funds offered through a retirement plan, carefully before investing. The fund prospectuses and information booklet containing this and other information can be obtained by contacting your local representative. Please read the information carefully before investing.

While reviewing the fund fact sheets below, please also review the Disclosure Glossary document that provides information on types of investment risks, investment types and a glossary of terms and statistics. The document also provides instructions about how to obtain any underlying fund prospectus.

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Please enter Voya in the text box below to view the Fund Fact Sheets.


Fund NumberInvestment Options
Stability of Principal
1627 San Bernardino Stable Value Option
Bonds
2078 Loomis Sayles Investment Grade Bond Fund - Class Y
3506 Oppenheimer International Bond Fund - Class I
1500 Pioneer Global High Yield Fund - Class Y Shares
Asset Allocation
495 Aggressive Allocation Portfolio
488 Conservative Allocation Portfolio
490 Moderate Allocation Portfolio
4702 Vanguard® Institutional Target Retirement 2020 Fund - Inst
4704 Vanguard® Institutional Target Retirement 2030 Fund - Inst
4706 Vanguard® Institutional Target Retirement 2040 Fund - Inst
4708 Vanguard® Institutional Target Retirement 2050 Fund - Inst
4711 Vanguard® Institutional Target Retirement Income Fund- Inst
Large Cap Value
1228 Vanguard® Institutional Index Fund - Institutional Plus
Large Cap Growth
1724 American Funds The Growth Fund of America® - Class R-6
Small/Mid/Specialty
1713 Baron Growth Fund - Institutional Shares
2824 Invesco Small Cap Value Fund - Class Y
1197 Vanguard® Mid-Cap Index Fund - Institutional Shares
1198 Vanguard® Small-Cap Index Fund - Institutional Shares
1308 Voya Global Real Estate Fund - Class I
Global / International
1960 American Funds Capital World Growth and Income Fund®- R-6
735 Dodge & Cox International Stock Fund
9772 Vanguard® Total International Stock Index Fund- Inst Shares

Transfer Rules

Transfers are allowed among all investment options with the exception of the Voya Stable Value Option (Stabilizer) and the Self-Directed Brokerage Account (SDBA).

The product includes a limiting provision, called an “equity wash,” that applies to transfers between the Voya Stabilizer and the SDBA. These two options are considered to be competing investment options. We are not imposing the equity wash provision at this time.

When this provision applies:

  • Direct transfers between these two options are not allowed; and
  • Once a transfer involving either of these options occurs, there is a 90-day waiting period before another transfer involving these investment options is permitted.

You can transfer from either one of these investment options directly into other investment options offered under the Plan.

Amounts must be transferred in whole percentages. There are no fees or charges for investment option transfers.

Self-Directed Brokerage Account

The TD Ameritrade SDBA is available to you as an additional investment option available through your employer-sponsored County of San Bernardino 457(b) and 401(k) Plans (Plans). This option gives you the freedom to invest a portion of your account in a self-directed brokerage account that provides access to a wider array of investment choices, including open-end mutual funds. 

Through your TD Ameritrade account you can select from a broad range of investments to fit your goals such as publicly traded stocks, fixed incomesecurities, over 100 commission-free ETFs1, and more than 13,000 mutual funds-including more than 2,500 no load. no-transaction-fee (NTF)2 mutual funds.

Carefully consider the particular fund’s investment objectives. risks, charges, and expenses. To obtain a prospectus containing this and other important information. please call a TD Ameritrade representative at 866-766-4015. Please read the prospectus carefully before investing.

1 Exchange traded funds (ETFs) are investment companies that trade on an exchange like stock. ETF trades may be placed using any stock order entry ticket. Stock commissions apply. Before investing in an ETF, be sure to carefully consider the ETFs investing objectives, risks, charges and expenses. For a prospectus containing this and other important information, contact the ETF sponsor or a TD Ameritrade Client Services representative. Please read the prospectus carefully before investing. To trade commission-free ETFs, you must be enrolled in the program. If you trade eligible ETFs within the 30-day hold period, short-term trading fees will apply.

2 No Transaction Fee (NTF) mutual funds are no-load mutual funds for which TD Ameritrade does not charge a transaction fee. NTF funds have other fees and expenses that apply to a continued investment in the fund and are described in the prospectus. Funds held 90 days or less may be subject to a Short- Term Redemption Fee. This fee is in addition to any applicable transaction fees or fees addressed in the fund’s prospectus.

View aditional information including eligibility and transfer rules can be found by clicking here.

To Apply for a TD Ameritrade Self-Directed Brokerage Account please contact the local San Bernardino office at (909) 890-2554 or toll free at (800) 452-5842.

 

Online Investment Advice and Managed Accounts for the County of San Bernardino 457 and 401(k) Plans

Morningstar® Retirement ManagerSM offers you a range of investment advisory services to help make it easier to manage your retirement account. Through Retirement Manager, you can receive a personalized retirement strategy through one of two services:

Managed by You – a resource providing personalized recommendations, if you prefer to manage your own account. Available at no additional charge.

Managed by Morningstar – a professional, fee based investment management service that’s an ideal option if you prefer to have an investment professional manage your account. Available for a fee.

To access Retirement Manager, click on “Account Access” from the left side bar menu. Once you enter the “Account Access” section, select the Plan account you wish to work with and then select the “Get Advice” link located on the left side of the screen.

IMPORTANT: The projections or other information generated by Morningstar® Retirement Manager℠ regarding the likelihood of various retirement income and/or investment outcomes are hypothetical in nature, do not reflect actual results (including investment results) and are not guarantees of future results. Results may vary with each use and over time.​

Annual Retirement Income Outlook considers such things as your asset mix and Morningstar Associates' ("Morningstar") own forecasts for return, risks and correlation for various asset classes. The Expected Retirement Income noted within the tool is the amount the simulation has determined as having a 90% probability of being achieved.

Annual Retirement Income Goal is calculated by taking 70% of your projected salary at retirement, expressed in today's dollars. Your projected salary at retirement is determined by a proprietary salary growth curve and your projected social security benefits. Morningstar Associates’ salary growth curve assumes your salary will grow at rates that vary with your age. Projected social security benefit is based off of an algorithm supplied by the Social Security Administration.

Proposed Asset Mix is derived from various factors such as your years to retirement, your projected salary growth and results from an asset-liability analysis. The asset-liability analysis is an economic concept that is helpful in understanding your ability to withstand financial losses by incorporating a projected future stream of income into your current financial situation. Morningstar® Retirement ManagerSM is offered by Morningstar, Inc. and is intended for citizens or legal residents of the United States or its territories. The investment advice delivered through Morningstar Retirement Manager is provided by Morningstar Investment Management LLC, a registered investment adviser and subsidiary of Morningstar, Inc.  Morningstar Investment Managements’ advisory service relates solely to the investment options offered under the plan. Retirement plan funding products offered through Voya Financial Partners, LLC (member SIPC) or other broker dealers with which it has selling agreements. Voya Financial provides Morningstar Investment Management with the plan’s investment options and information about participants but the decisions regarding the advice provided are made by Morningstar Investment Management. Voya and its companies are not affiliated with Morningstar Investment Management, LLC or its affiliates, and receive no fee or other direct financial benefits from Morningstar Investment Management in connection with the use of its services. The Morningstar name and logo are registered marks of Morningstar, Inc.

Ongoing Investment Monitoring

The County is committed to ensuring that the investments remain appropriate for employees on an ongoing basis. To this end, they are committed to an initial and ongoing monitoring and evaluation of the fund options through a formal and detailed investment policy. Click here for a copy of the County’s investment policy.

Not FDIC/NCUA/NCUSIF Insured | Not a Deposit of a Bank/Credit Union | May Lose Value | Not Bank/Credit Union Guaranteed | Not Insured by Any Federal Government Agency

Insurance products issued by Voya Retirement Insurance and Annuity Company, One Orange Way, Windsor, CT 06095-4774. Securities are distributed by Voya Financial Partners LLC (member SIPC). Custodial account agreements or trust agreements are provided by Voya Institutional Trust Company. Insurance obligations are the responsibility of each individual company. All companies are members of the VoyaTM family of companies. Securities may also be distributed through other broker-dealers with which Voya has selling agreements. Product and services may not be available in all states. CN-1214-10893-0117