M.S. WALKER RETIREMENT TRUST Investment Options
Available Funds in M.S. WALKER RETIREMENT TRUST
Below is the lineup of investment options available to participants in M.S. WALKER RETIREMENT TRUST. 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 |
|---|
| FIDELITY FREEDOM 2030 K MUTUAL FUND |
| FIDELITY FREEDOM 2025 K MUTUAL FUND |
| FIDELITY FREEDOM 2020 K MUTUAL FUND |
| FIDELITY CONTRAFUND MUTUAL FUND |
| FIDELITY FREEDOM 2045 K MUTUAL FUND |
| FIDELITY FREEDOM 2040 K MUTUAL FUND |
| FIDELITY FREEDOM 2050 K MUTUAL FUND |
| FIDELITY FREEDOM 2035 K MUTUAL FUND |
| FIDELITY 500 INDEX MUTUAL FUND |
| FIDELITY GOVERNMENT MONEY MARKET FUNDS |
| FIDELITY MID CAP INDEX MUTUAL FUND |
| FIDELITY FREEDOM 2015 K MUTUAL FUND |
| FIDELITY FREEDOM 2055 K MUTUAL FUND |
| T. ROWE PRICE CAPITAL APPRECIATION FUND MUTUAL FUND |
| FIDELITY SMALL CAP INDEX FUND MUTUAL FUND |
| FIDELITY TOTAL MARKET INDEX MUTUAL FUND |
| FIDELITY INTL INDEX MUTUAL FUND |
| VANGUARD VALUE INDEX ADMIRAL SHARES MUTUAL FUND |
| FIDELITY ST TREASURY BOND INDEX MUTUAL FUND |
| BLACKROCK HIGH YIELD BOND PORTFOLIO CLASS K MUTUAL FUND |
| FIDELITY FREEDOM 2060 K MUTUAL FUND |
| CALVERT US LG CP CRI I MUTUAL FUND |
| FIDELITY FREEDOM INCOME K MUTUAL FUND |
| PIMCO SHORT TERM IS MUTUAL FUND |
| MFS EMERGING MARKET DEBT FUND CLASS A MUTUAL FUND |
| FIDELITY FREEDOM 2065 K6 MUTUAL FUND |
| JOHN HANCOCK DSCPL VAL MDCP R6 MUTUAL FUND |
| FIDELITY FREEDOM 2005 K MUTUAL 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 M.S. WALKER RETIREMENT TRUST. 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
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