FINZER ROLLER, INC. SALARY SAVINGS PLAN Investment Options
Available Funds in FINZER ROLLER, INC. SALARY SAVINGS PLAN
Below is the lineup of investment options available to participants in FINZER ROLLER, INC. SALARY 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 Option List |
|---|
| Investment Trust, Series 25053 Collective Trust NR |
| Large Cap Growth Fund III Collective Trust NR (NFEPX) |
| Fund Collective Trust NR |
| MFS Mid Cap Value Fund Collective Trust NR (MCVIX) |
| Large Cap Value Fund Collective Trust NR (FSTKX) |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| PIMCO INCOME FUND – INSTL (PRIFX) |
| FID SMALL CAP INDEX (HMSCX) |
| BLK STRATEGIC INC OPP PRT INST |
| AMERFUNDS 2010 TARG DATERET R6 (2010) |
| FID MID CAP INDEX |
| AMERFUNDS 2045 TARG DATERET R6 (2045) |
| AMERFUNDS 2035 TARG DATERET R6 |
| TRP DIVERSIFIED MCG I |
| AMERFUNDS 2060 TARG DATERET R6 |
| FID 500 IND |
| AMERICAN FUNDS 2055 TARGET R6 (FAJTX) |
| AMERFUNDS 2040 TARG DATERET R6 |
| AMC SMALL CAP GROWTH – R6 (SGRIX) |
| PIONEER BOND Y (LSGAX) |
| AMERFUNDS 2050 TARG DATERET R6 |
| MFS INTL DIVERSIFICATION R3 (BIIDX) |
| FIDELITY ADV SMALL CAP VAL Z (FSISX) |
| AMERFUNDS 2020 TARG DATERET R6 |
| AMERFUNDS 2015 TARG DATERET R6 |
| AMERFUNDS 2030 TARG DATERET R6 |
| AMERFUNDS 2025 TARG DATERET R6 |
| LARGE CAP VALUE R1 (FSTKX) |
| MFS MID CAP VALUE 2W (MCVIX) |
| LARGE CAP GROWTH III – I1 (NFEPX) |
| JAN HEND INTL ALPHA EQUITY U |
| METLIFE REL ST VAL 25053 – |
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 FINZER ROLLER, INC. SALARY 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?
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