What asset classes are in my WealthStep portfolio?

WealthStep 401k and WealthStep Direct typically utilize the asset classes below. WealthStep Direct utilizes mostly passive/index funds (in limited cases where asset classes aren’t available, cost-effective, appropriate or sufficiently diversified in an index fund vehicle/format, active and/or quantitative managers may be utilized) and most often a combination of passive, quantitative and active funds or all passive funds are utilized in WealthStep 401k designs. WealthStep 401k portfolio asset classes are often further divided into sub-asset class categories, and often has additional categories.

Large Company US Stocks

Mid Cap US Stocks

Small Cap US Stocks

Real Estate (REITs)

International Stocks

Emerging Markets Stocks

Core US Bonds (Municipal bonds are utilized in taxable accounts)

Short-Term US Bonds (Municipal bonds are utilized in taxable accounts)

High Yield Bonds (Municipal bonds are utilized in taxable accounts)

International Bonds

Global Bonds

Note: For WealthStep Direct portfolios over a certain size or those utilizing the WealthStep Direct Plus service, additional services are available, including additional strategies and diversification, as well as “asset location” across accounts, to improve tax-efficiency for taxable accounts. Contact us or learn more here. Asset class and fund selection is subject to adjustment by WealthStep over time. If your portfolio was not built by WealthStep, please go directly to the fund company’s website for specific investment information. Similarly, to the extent that non-WealthStep portfolio asset allocations vary from WealthStep portfolios, the expected returns may also vary.