GIGLIO DISTRIBUTING CO. 401(K) PLAN Investment Options
Available Funds in GIGLIO DISTRIBUTING CO. 401(K) PLAN
Below is the lineup of investment options available to participants in GIGLIO DISTRIBUTING CO. 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 |
|---|
| Fund Class A |
| Fidelity Management Trust Company Fidelity Advisor Balanced Fund Class A |
| Appreciation Fund Class A |
| Fidelity Management Trust Company Fidelity Advisor Capital & Income Class A |
| Fidelity Management Trust Company Fidelity Advisor Freedom 2010 Class A |
| Fidelity Management Trust Company Fidelity Advisor Freedom 2020 Class A |
| Fidelity Management Trust Company Fidelity Advisor Freedom 2030 Class A |
| Fidelity Management Trust Company Fidelity Advisor Freedom 2040 Class A |
| Strategy Fund Class A |
| Fidelity Management Trust Company iShares Russell Mid-Cap Index Fund Class A |
| Fidelity Management Trust Company American Funds American Mutual R4 |
| Fidelity Management Trust Company AS Special Mid Cap Value Fund A |
| Fidelity Management Trust Company Royce Small-Cap Service Class |
| Fidelity Management Trust Company Baird Aggregate Bond Fund |
| Fidelity Management Trust Company Putnam Sm-Cap Grth Class A |
| Fidelity Management Trust Company Hartford Core Equity Fund R4 |
| Fidelity Management Trust Company iShares S & P 500 Index Class A |
| Fidelity Management Trust Company AllSpring Spl Sm-Cap Value A |
| Fidelity Management Trust Company Clearbridge Select A |
| Fidelity Management Trust Company Fidelity Advisor Freedom Inc A |
| Fidelity Management Trust Company Fidelity Advisor Freedom 2065 Class A |
| Fidelity Management Trust Company Fidelity Advisor Freedom 2015 Class A |
| Fidelity Management Trust Company Fidelity Advisor Freedom 2025 Class A |
| Fidelity Management Trust Company Fidelity Advisor Freedom 2035 Class A |
| Fidelity Management Trust Company Fidelity Advisor Freedom 2045 Class A |
| Fidelity Management Trust Company Fidelity Advisor Freedom 2050 Class A |
| Fidelity Management Trust Company Fidelity Advisor Freedom 2055 Class A |
| Fidelity Management Trust Company Fidelity Advisor Freedom 2060 Class A |
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 GIGLIO DISTRIBUTING CO. 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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