FREEDOMREWARDS 401(K) PLAN Investment Options
Available Funds in FREEDOMREWARDS 401(K) PLAN
Below is the lineup of investment options available to participants in FREEDOMREWARDS 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 |
|---|
| Great Gray MFS Large Value Class MSG # |
| State Street* Global All Cap Ex US Index Class II # |
| State Street* Russell Small/Mid Cap Index II # |
| State Street* S&P 500 Index Class II # |
| State Street* U.S. Bond Index Class XIV # |
| State Street* US Inflation Protected Bond Index II # |
| T. Rowe Price Retirement Blend 2005 Trust G # |
| T. Rowe Price Retirement Blend 2010 Trust G # |
| T. Rowe Price Retirement Blend 2015 Trust G # |
| T. Rowe Price Retirement Blend 2020 Trust G # |
| T. Rowe Price Retirement Blend 2025 Trust G # |
| T. Rowe Price Retirement Blend 2030 Trust G # |
| T. Rowe Price Retirement Blend 2035 Trust G # |
| T. Rowe Price Retirement Blend 2040 Trust G # |
| T. Rowe Price Retirement Blend 2045 Trust G # |
| T. Rowe Price Retirement Blend 2050 Trust G # |
| T. Rowe Price Retirement Blend 2055 Trust G # |
| T. Rowe Price Retirement Blend 2060 Trust G # |
| T. Rowe Price Retirement Blend 2065 Trust G # |
| American Beacon Small Cap Value R6 # |
| American Funds EuroPacific Growth R6 # |
| Blackrock High Yield Bond K # |
| Dodge & Cox Dodge & Cox Inc X # |
| Fidelity Contrafund K6 # |
| Fidelity International Bond Index # |
| Hood River Small-Cap Growth Retirement # |
| Various Personal Choice Retirement Account # |
| and maturity dates through 2033 # |
| Charles Schwab Instl Personal Choice Retment Account |
| NYL New York Life Anchor |
| American Beacon American Beacon Small Cap Val R6 |
| American Funds EuroPacific Gr R6 |
| Dodge & Cox Dodge & Cox Inc X |
| Fidelity Contrafund K6 |
| Hood River Hood River Small-Cap Gr Retment |
| Great Gray MFS Large Value Class MSG |
| State Street State St Gl All cp Ex US Idx Cl II |
| State Street State St Russell Sm/Md cp Idx II |
| State Street S&P 500 Idx Class II |
| State Street U.S. Bd Idx Cl XIV |
| T. Rowe Price T Rowe Price Stable Val A |
| T. Rowe Price Retirement Blend 2015 Trust G |
| T. Rowe Price Retirement Blend 2020 Trust G |
| T. Rowe Price Retirement Blend 2025 Trust G |
| T. Rowe Price Retirement Blend 2030 Trust G |
| T. Rowe Price Retirement Blend 2035 Trust G |
| T. Rowe Price Retirement Blend 2040 Trust G |
| T. Rowe Price Retirement Blend 2045 Trust G |
| T. Rowe Price Retirement Blend 2050 Trust G |
| T. Rowe Price Retirement Blend 2055 Trust G |
| T. Rowe Price Retirement Blend 2060 Trust G |
| T. Rowe Price Retirement Blend 2065 Trust G |
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 FREEDOMREWARDS 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% | … | … |
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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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