COMMONWEALTH FINANCIAL NETWORK 401(K) P/S PLAN Investment Options
Available Funds in COMMONWEALTH FINANCIAL NETWORK 401(K) P/S PLAN
Below is the lineup of investment options available to participants in COMMONWEALTH FINANCIAL NETWORK 401(K) P/S 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 MUTUAL FUND |
| MS W LARGE CAP GR R6 MUTUAL FUND |
| FID FREEDOM 2040 K6 MUTUAL FUND |
| FID FREEDOM 2050 K6 MUTUAL FUND |
| FID FREEDOM 2045 K6 MUTUAL FUND |
| FID FREEDOM 2055 K6 MUTUAL FUND |
| FID FREEDOM 2035 K6 MUTUAL FUND |
| ABF LG CAP VALUE R6 MUTUAL FUND |
| AF EUROPAC GROWTH R6 MUTUAL FUND |
| FID TOTAL MKT IDX MUTUAL FUND |
| FID NASDAQ COMP INDX MUTUAL FUND |
| VANG VMMR-FED MMKT MONEY MARKET FUND |
| FID FREEDOM 2030 K6 MUTUAL FUND |
| JPM MID CAP GRTH R6 MUTUAL FUND |
| FID BALANCED K6 MUTUAL FUND |
| MFS INTL GROWTH R6 MUTUAL FUND |
| FID EXTD MKT IDX MUTUAL FUND |
| WASATCH SM CAP GR IS MUTUAL FUND |
| VI SM-CAP VAL R6 MUTUAL FUND |
| FID FREEDOM 2060 K6 MUTUAL FUND |
| FID TOTAL BOND K6 MUTUAL FUND |
| MFS MID CAP VALUE R6 MUTUAL FUND |
| FID SM CAP IDX MUTUAL FUND |
| HTFD SCHR EMG MK SDR MUTUAL FUND |
| FID FREEDOM 2025 K6 MUTUAL FUND |
| PIMCO INCOME INST MUTUAL FUND |
| FID INTL INDEX MUTUAL FUND |
| FID US BOND IDX MUTUAL FUND |
| BLRK GLOBAL ALLOC K MUTUAL FUND |
| COL CONTRAN CORE I3 MUTUAL FUND |
| MS MK HY CORP BD R6 MUTUAL FUND |
| FID EMRG MKTS IDX MUTUAL FUND |
| MORLEY STABLE VALUE COMMON COLLECTIVE TRUST |
| ABF INTL EQUITY R6 MUTUAL FUND |
| PIF GLB RL EST R6 MUTUAL FUND |
| PIM LOW DUR INST MUTUAL FUND |
| HTFD WORLD BOND R6 MUTUAL FUND |
| C& S REALTY SHARES Z MUTUAL FUND |
| ALPS/CCM CMP CMD I MUTUAL FUND |
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 COMMONWEALTH FINANCIAL NETWORK 401(K) P/S 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% | … | … |
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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
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