CHARLES PENZONE, INC. 401(K) PLAN AND TRUST Investment Options
Available Funds in CHARLES PENZONE, INC. 401(K) PLAN AND TRUST
Below is the lineup of investment options available to participants in CHARLES PENZONE, INC. 401(K) PLAN AND TRUST. This typically includes a mix of mutual funds, index funds, and collective investment trusts (CITs) — which are pooled investment vehicles custom-built for large retirement plans, often with lower expense ratios than their retail mutual fund equivalents.
When evaluating these options, focus on expense ratios (lower is better), asset class coverage (U.S. stocks, international stocks, bonds, and stable value), and whether low-cost index funds are available. Research consistently shows that low-cost, broadly diversified index funds outperform most actively managed funds over the long term.
| Investment Option List |
|---|
| Fidelity Advisor Freedom Blend 2040 Fund (FHDEX) |
| Fidelity Advisor Freedom Blend 2030 Fund (FHRCX) |
| Fidelity Advisor Freedom Blend 2035 Fund (FHBCX) |
| Fidelity Advisor Freedom Blend 2045 Fund (FHBFX) |
| Fidelity Advisor Freedom Blend 2050 Fund (FHJCX) |
| Fidelity Advisor Freedom Blend 2055 Fund (FHGCX) |
| Vanguard Growth (VQNPX) |
| Fidelity Advisor Freedom Blend 2025 Fund (FHSPX) |
| Vanguard Equity Income Fund (VEIPX) |
| MFS International Intrinsic Value Fund (MINIX) |
| Vanguard Mid Cap (VIMSX) |
| Vanguard Small Cap (VISVX) |
| Vanguard Mid Cap Value (VMVIX) |
| American Funds New World R6 (HVWBX) |
| DFA International Small Company Fund (DISVX) |
| Vanguard Midcap Growth (VQNPX) |
| Vanguard Intermediate Term Bond Fund (VBIIX) |
| Fidelity Advisor Freedom Blend 2065 Fund (FAXDX) |
| Vanguard Small Cap Value (VISVX) |
| Fidelity Advisor Freedom Blend 2020 Fund (FHWCX) |
| Vanguard Small Cap Growth (VISGX) |
| Fidelity Advisor Freedom Blend Income Fund (FHAHX) |
| Fidelity Advisor Freedom Blend 2060 Fund (FHDCX) |
| Wilmington Trust, N.A. Lord Abbett High Yield Fund (LAHYX) |
| Wilmington Trust, N.A. Core Plus Bond II (GPBFX) |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| VANGUARD MID CAP VALUE IND ADM (VMVIX) |
| FIDELITY FREEDOM BLEND 2030 K6 (FHAEX) |
| VANGUARD SMALL CAP INDEX ADMRL (VISVX) |
| VANGUARD GROWTH INDEX FUND ADM (VTGLX) |
| VANG TOT STK MKT IDX – ADMIRAL |
| PRINCIPAL RE SECURITIES I |
| FIDELITY FREEDOM BLEND 2045 K6 (FHAQX) |
| VANG EQUITY INC ADM |
| VANGUARD MID CAP INDEX – ADM (VIMSX) |
| VANGUARD MIDCAP GROWTH IDX ADM (VTGLX) |
| VANGUARD SM CP GR IDX -ADMIRAL |
| DFA INTERNATIONAL SM CO INST (HICFX) |
| FIDELITY FREEDOM BLEND 2020 K6 (FHAVX) |
| FIDELITY FREEDOM BLEND 2055 K6 (FHAOX) |
| FIDELITY FREEDOM BLEND INC K6 (FHAAX) |
| FIDELITY FREEDOM BLEND 2040 K6 (FHARX) |
| FIDELITY FREEDOM BLEND 2065 K6 (FAXDX) |
| VANGUARD INTERMEDIATE TERM BON (VBIIX) |
| MFS INTL INTRINSIC VALUE R6 (GMVMX) |
| FIDELITY FREEDOM BLEND 2035 K6 (FHASX) |
| FIDELITY FREEDOM BLEND 2025 K6 (FHAUX) |
| VANGUARD SM CAP VAL INDEX ADM (VSLVX) |
| FIDELITY FREEDOM BLEND 2060 K6 (FHANX) |
| FIDELITY FREEDOM BLEND 2050 K6 (FHAPX) |
| CORE PLUS BOND II – R1 (GPBFX) |
| METLIFE REL ST VAL 25053 – |
| LORD ABBETT HI YLD CORE TR R |
How to Build a Smart Portfolio in Your 401(k)
Your investment lineup is only as good as how you use it. Here are the key steps to building a portfolio that works for your retirement goals:
- Know your risk tolerance and timeline. If you are decades from retirement, you can generally afford more stock exposure. Closer to retirement, you may want to shift toward bonds and stable value for capital preservation.
- Diversify across asset classes. Spread investments across U.S. stocks, international stocks, bonds, and possibly real estate or stable value. This reduces the impact of any single market downturn.
- Favor low-cost index funds. Even a 0.5% difference in annual fees compounds to tens of thousands of dollars over a 30-year career. If your plan offers an S&P 500 index fund or a total stock market index fund at low cost, that is typically a strong core holding.
- Consider a target-date fund if you prefer simplicity. Target-date funds automatically adjust your stock/bond allocation as you approach retirement, making them a solid one-fund solution for hands-off investors.
- Rebalance at least annually. Over time, your portfolio drifts from its target allocation as some assets outperform others. Rebalancing keeps your risk level consistent.
Learn more in our Four-Step Guide for 401(k) Retirement Investing, or use the Asset Allocation Calculator to find the right mix for your age and risk tolerance.
Model Asset Allocation Portfolios
Not sure how to allocate your investments? These model portfolios are built from core, broadly diversified asset classes using ultra-low-cost index funds. Choose a template that matches your risk tolerance, then adapt it to the specific funds available in CHARLES PENZONE, INC. 401(K) PLAN AND TRUST. See Asset Allocation Portfolio Templates for a detailed guide.
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Common | Inception |
|---|---|---|---|---|---|---|---|---|---|
| Four Core Asset Portfolio | 4.74% | 18.86% | 12.42% | 5.72% | 8.01% | 7.30% | 6.92% | … | … |
| Five Core Asset Portfolio | 4.70% | 18.79% | 12.38% | 5.55% | 7.97% | 7.19% | 6.94% | … | … |
| Three Core Asset Portfolio | 4.57% | 19.80% | 13.11% | 6.19% | 8.52% | 7.64% | 7.10% | … | … |
| Two Core Asset Portfolio | 3.87% | 19.18% | 13.68% | 6.85% | 9.34% | 8.84% | 7.95% | … | … |
| Yale Endowment Template | 5.35% | 17.45% | 11.87% | 5.56% | 8.33% | 7.96% | 7.55% | … | … |
| S&P 500 Index | 5.96% | 30.43% | 21.65% | 12.98% | 15.09% | 13.73% | 10.93% | … | … |
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Puzzled on what to invest?
- We ask a few questions to decide your personal return and risk expectations
- We build a custom portfolio for your plan (401(k), 403(b), 529 …) or for a brokerage account
- We monitor and send timely rebalance emails on what investment funds to buy and sell
Looking for ideas to generate income?
- ETF or mutual fund income portfolios for 4-7% annual income
- Dividend stock funds
- Passive real estate investments
- more …
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