CUSTOMINK, LLC 401(K) SAVINGS PLAN Investment Options
Available Funds in CUSTOMINK, LLC 401(K) SAVINGS PLAN
Below is the lineup of investment options available to participants in CUSTOMINK, LLC 401(K) SAVINGS 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 |
|---|
| American Funds 2020 Target Date Retirement Registered Investment Company $ – |
| American Funds 2030 Target Date Retirement Registered Investment Company – |
| American Funds 2040 Target Date Retirement Registered Investment Company – |
| American Funds 2050 Target Date Retirement Registered Investment Company – |
| American Funds 2060 Target Date Retirement Registered Investment Company – |
| American Funds New World Registered Investment Company – |
| Fidelity 500 Index Registered Investment Company – |
| Fidelity Advisor International Growth Registered Investment Company – |
| Fidelity Contrafund Registered Investment Company – |
| Fidelity Inflation Protected Bond Registered Investment Company – |
| Fidelity Small-Cap Index Institutional Premium Registered Investment Company – |
| Fidelity FTSE Social Index Registered Investment Company – |
| Fidelity Mid-Cap Index Registered Investment Company – |
| JP Morgan Large Cap Growth Registered Investment Company – |
| MFS Conservative Allocation Registered Investment Company – |
| MFS Growth Allocation Registered Investment Company – |
| MFS International Value Registered Investment Company – |
| MFS Mid-Cap Value Registered Investment Company – |
| MFS Moderate Allocation Registered Investment Company – |
| MFS International Growth Registered Investment Company – |
| PGIM High Yield Registered Investment Company – |
| T. Rowe Price New Horizons Registered Investment Company – |
| T. Rowe Price Value Registered Investment Company – |
| Vanguard Equity-Income Registered Investment Company – |
| Vanguard Growth and Income Registered Investment Company – |
| Vanguard Growth Index Registered Investment Company – |
| Vanguard Mid-Cap Growth Registered Investment Company $ – |
| Vanguard Short-Term Investment-Grade Registered Investment Company – |
| Victory Sycamore Small Company Opportunity Registered Investment Company – |
| American Funds AF 2020 Target Date Retire R6 |
| American Funds AF 2030 Target Date Retire R6 |
| American Funds AF 2040 Target Date Retire R6 |
| American Funds AF 2050 Target Date Retire R6 |
| American Funds AF 2060 Target Date Retire R6 |
| American Funds New World Fund R6 |
| Fidelity Advisor Int'l Growth Cl Z |
| Fidelity 500 Index |
| Fidelity Small Cap Index |
| Fidelity Contrafund |
| Fidelity Inflat-Protected Bond Index Premium |
| Fidelity Mid Cap Index |
| JP Morgan JP Morgan Large Cap Growth Cl R6 |
| MFS Mid Cap Value R4 |
| MFS Growth Allocation R4 |
| MFS International Growth R4 |
| MFS Conservative Allocation R4 |
| MFS Intl Intrinsic Value R4 |
| MFS Moderate Allocation R4 |
| T Rowe Price T Rowe Price New Horizons Fund |
| T Rowe Price T Rowe Price Value |
| Vanguard FTSE Social Index Adm |
| Vanguard Growth & IncomeAdm |
| Vanguard Equity Income Adm |
| Vanguard Mid Cap Growth Index Adm |
| Vanguard Growth Index Adm |
| Vanguard Short Term Invesment Grade Adm |
| Victory Victory Sycamore Small Co. Opportunity I |
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 CUSTOMINK, LLC 401(K) SAVINGS 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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