CIVITAS RESOURCES, INC. 401(K) PLAN Investment Options
Available Funds in CIVITAS RESOURCES, INC. 401(K) PLAN
Below is the lineup of investment options available to participants in CIVITAS RESOURCES, INC. 401(K) PLAN. 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 Description |
|---|
| FID 500 INDEX REGISTERED INVESTMENT COMPANY |
| FID CHINA REGION REGISTERED INVESTMENT COMPANY |
| FID CONTRAFUND REGISTERED INVESTMENT COMPANY |
| FID EXTD MKT IDX REGISTERED INVESTMENT COMPANY |
| FID GOV MMKT INTEREST-BEARING CASH |
| FID INTL INDEX REGISTERED INVESTMENT COMPANY |
| FID SM CAP IDX REGISTERED INVESTMENT COMPANY |
| FID US BOND IDX REGISTERED INVESTMENT COMPANY |
| THORNBURG STR INC R6 REGISTERED INVESTMENT COMPANY |
| CB INTL GRTH IS REGISTERED INVESTMENT COMPANY |
| GS INTL SM CP INS I REGISTERed INVESTMENT COMPANY |
| J H BALABCED T REGISTERED INVESTMENT COMPANY |
| MFS VALUE R3 REGISTERED INVESTMENT COMPANY |
| TRP SM CAP VALUE I REGISTERED INVESTMENT COMPANY |
| PGIM TOTAL RTN BD Z REGISTERED INVESTMENT COMPANY |
| PIM ALL ASSET INST REGISTERED INVESTMENT COMPANY |
| INVS DEVELOP MKT A REGISTERED INVESTMENT COMPANY |
| PUTNAM STABLE VALUE COLLECTIVE TRUST |
| PLT HYBRID 2010 Z COLLECTIVE TRUST |
| PLT HYBRID 2015 Z COLLECTIVE TRUST |
| PLT HYBRID 2020 Z COLLECTIVE TRUST |
| PLT HYBRID 2025 Z COLLECTIVE TRUST |
| PLT HYBRID 2030 Z COLLECTIVE TRUST |
| PLT HYBRID 2035 Z COLLECTIVE TRUST |
| PLT HYBRID 2040 Z COLLECTIVE TRUST |
| PLT HYBRID 2045 Z COLLECTIVE TRUST |
| PLT HYBRID 2050 Z COLLECTIVE TRUST |
| PLT HYBRID 2055 Z COLLECTIVE TRUST |
| PLT HYBRID 2060 Z COLLECTIVE TRUST |
| PLT HYBRID 2065 Z COLLECTIVE TRUST |
| PLT HYBRID INC Z COLLECTIVE TRUST |
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 CIVITAS RESOURCES, INC. 401(K) PLAN. 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% | … | … |
Get Key Insights for This Plan
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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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