COMMUNITY SYSTEMS, INC. CONTRIBUTORY 403 (B) PLAN Investment Options
Available Funds in COMMUNITY SYSTEMS, INC. CONTRIBUTORY 403 (B) PLAN
Below is the lineup of investment options available to participants in COMMUNITY SYSTEMS, INC. CONTRIBUTORY 403 (B) 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.
Total Available Funds: 127
| Investment Description |
|---|
| and interest income on notes receivable from participants for the year ended December 31, |
| nonexempt transactions between the Plan and the Company for the year ended December |
| Fidelity Investments Fidelity Freedom 2050 Fund |
| Fidelity Investments Fidelity Freedom 2045 Fund |
| Fidelity Investments Fidelity Freedom 2035 Fund |
| Fidelity Investments Fidelity Freedom 2030 Fund |
| Fidelity Investments Fidelity Freedom 2025 Fund |
| Fidelity Investments Fidelity 500 Index |
| Fidelity Investments Fidelity Freedom 2055 Fund |
| Fidelity Investments Fidelity Freedom 2020 Fund |
| Fidelity Investments Fidelity |
| Fidelity Investments Fidelity Freedom 2060 Fund |
| Fidelity Investments Fidelity Freedom Index 2035 Fund |
| Fidelity Investments Fidelity Nasdaq Comp |
| Fidelity Investments Fidelity Freedom 2015 Fund |
| Fidelity Investments Fidelity Mid Cap |
| MFS Growth Fund |
| Fidelity Investments Fidelity Portfolio Fund |
| Fidelity Investments Fidelity Smal Cap |
| Fidelity Investments Fidelity Freedom 2065 Fund |
| Fidelity Investments Fidelity Blue Chip Growth |
| Fidelity Investments Fidelity Select Technology Fund |
| Fidelity Investments Fidelity Intermediate Bond Fund |
| Fidelity Investments Fidelity Select Semiconductor Fund |
| Fidelity Investments Fidelity Growth Discovery Fund |
| Fidelity Investments Fidelity Extended Market |
| Fidelity Investments Fidelity Freedom Income Fund |
| Fidelity Investments Fidelity Balanced Fund |
| Fidelity Investments Fidelity Canada Fund |
| Fidelity Investments Fidelity Contrafund Fund |
| Fidelity Investments Fidelity Select Biotech Fund |
| Fidelity Investments Fidelity Financial Fund |
| Schwab Funds Schwab Small Cap |
| Fidelity Investments Fidelity Overseas Fund |
| MFS Mid Cap Growth Fund |
| Fidelity Investments Fidelity Emerging Markets Fund |
| Fidelity Investments Fidelity Select Software Fund |
| Fidelity Investments Fidelity Mega Cap Stock Fund |
| Fidelity Investments Fidelity Small Cap Growth Fund |
| Fidelity Investments Fidelity Large Cap Stock Fund |
| Fidelity Investments Fidelity Global US |
| Fidelity Investments Fidelity Growth & Income Fund |
| Fidelity Investments Fidelity Stock Select Mid Cap Fund |
| Fidelity Investments Fidelity Freedom Index 2050 Fund |
| Fidelity Investments Fidelity International Small Cap Fund |
| The Bank of New York Mellon Corporation BNY Mellon International Stock Fund |
| PIMCO Funds PIMCO International Bond Us Dollar Hedged Institutional Fund |
| Fidelity Investments Fidelity Select Retailing Fund |
| BlackRock iShares US Aggregate Bond |
| Fidelity Investments Fidelity International |
| Fidelity Investments Fidelity Natural Residential Fund |
| Fidelity Investments Fidelity Low Priced Stock Fund |
| Fidelity Investments Fidelity Small Cap Discovery Fund |
| Allspring Allspring Special Mid Cap Value Fund |
| PGIM Prim Jennison Small Company Fund |
| Nuveen TIAA Cerf Social Choice International Equity Institutional Fund |
| BlackRock iShares MSCI EAFE International |
| Nuveen TIAA CREF Social Choice Equity Fund |
| Fidelity Investments Fidelity Select Tech Service Fund |
| Fidelity Investments Fidelity Trend |
| Fidelity Investments Fidelity Focused Stock |
| Fidelity Investments Fidelity Select Energy Fund |
| Delaware Investments Delaware Small Cap Value Fund |
| Fidelity Investments Fidelity Select Medical Tech Fund |
| Fidelity Investments Fidelity Select Utilities Fund |
| Fidelity Investments Fidelity Levergd Co Stk |
| Fidelity Investments Fidelity Growth Strat |
| Fidelity Investments Fidelity International Discovery Fund |
| Fidelity Investments Fidelity Freedom 2010 Fund |
| Fidelity Investments Fidelity Select Defense Fund |
| Fidelity Investments Fidelity Dividend Growth Fund |
| Fidelity Investments Fidelity Worldwide Fund |
| Fidelity Investments Fidelity Select Comm Service Fund |
| Fidelity Investments Fidelity China Region Fund |
| Fidelity Investments Fidelity Select Gold Fund |
| Fidelity Investments Fidelity Sel Fintech |
| Fidelity Investments Fidelity Float Right High Income Fund |
| Fidelity Investments Fidelity Select Telecom Fund |
| Fidelity Investments Fidelity Select Pharmaceutical Fund |
| Fidelity Investments Fidelity Select Health Care Service Fund |
| Fidelity Investments Fidelity Global Commodity Stock Fund |
| Fidelity Investments Fidelity Select Discovery Fund |
| Fidelity Investments Fidelity Emerging Asia Fund |
| Fidelity Investments Fidelity Corporate Bond Fund |
| Fidelity Investments Fidelity Elite Fund |
| Fidelity Investments Fidelity New Millen Fund |
| Fidelity Investments Fidelity Us Sustainable |
| Fidelity Investments Fidelity Small Cap Value Fund |
| Fidelity Investments Fidelity Telecom & Utilities Fund |
| Fidelity Investments Fidelity Select Tech Hardware Fund |
| Fidelity Investments Fidelity Small Cap Stock Fund |
| Fidelity Investments Fidelity Select Wireless Fund |
| Fidelity Investments Fidelity Select Constr/House Fund |
| Fidelity Investments Fidelity Puritan Fund |
| Fidelity Investments Fidelity Environmental Alternative Energy Fund |
| PIMCO Funds PIMCO Income Institutional Fund |
| American Funds Inflation Linked Bond Fund |
| Fidelity Investments Fidelity Select Automotive Fund |
| Fidelity Investments Fidelity Blue Chip Value Fund |
| Fidelity Investments Fidelity Asset Manager 85% Fund |
| Fidelity Investments Fidelity Multi Asset |
| Fidelity Investments Fidelity Strategy Dividend & Income Fund |
| Fidelity Investments Fidelity Select Healthcare Fund |
| Fidelity Investments Fidelity Freedom Index 2060 Fund |
| Lincoln Financial Group YourPath 2030 Moderate Fund |
| Lincoln Financial Group YourPath 2045 Moderate Fund |
| Lincoln Financial Group YourPath 2040 Moderate Fund |
| Lincoln Financial Group YourPath 2035 Moderate Fund |
| Lincoln Financial Group YourPath 2025 Moderate Fund |
| Lincoln Financial Group YourPath 2050 Moderate Fund |
| Lincoln Financial Group YourPath 2055 Moderate Fund |
| Lincoln Financial Group YourPath 2060 Moderate Fund |
| Lincoln Financial Group YourPath 2020 Moderate Fund |
| Lincoln Financial Group YourPath 2065 Moderate Fund |
| Lincoln Financial Group YourPath 2015 Moderate Fund |
| Lincoln Financial Group YourPath 2030 Aggressive Fund |
| Lincoln Financial Group YourPath 2035 Aggressive Fund |
| Lincoln Financial Group YourPath 2060 Aggressive Fund |
| Lincoln Financial Group YourPath 2055 Conservative Fund |
| Lincoln Financial Group YourPath 2050 Aggressive Fund |
| Lincoln Financial Group YourPath 2065 Aggressive Fund |
| Lincoln Financial Group YourPath 2045 Aggressive Fund |
| Lincoln Financial Group YourPath 2040 Aggressive Fund |
| Lincoln Financial Group Yourpath 2030 Conservative |
| Lincoln Financial Group YourPath Income Moderate Fund |
| Lincoln Financial Group YourPath Income Conservative Fund |
| Lincoln Financial Group YourPath Income Aggressive 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 COMMUNITY SYSTEMS, INC. CONTRIBUTORY 403 (B) 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% | … | … |
Data as of 05/01/2026, Common starting date is 12/31/2000
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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
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