PROJECT EMPLOYEE 401K RETIREMENT PLAN Investment Options
Available Funds in PROJECT EMPLOYEE 401K RETIREMENT PLAN
Below is the lineup of investment options available to participants in PROJECT EMPLOYEE 401K RETIREMENT 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 |
|---|
| Artisan Funds Mid Cap Inv. Mid-Cap Growth Fund # |
| Oakmark Eq. & Inc I 50 to 70% Equity Inv. # |
| Invesco Growth & Inc A Large Value Stock Fund # |
| Wells Fargo Special Mid Cap Value Fund # |
| American Beacon Small Cap Small Value Stock Fund # |
| EuroPacific Growth Fund Intl Large Cap Growth # |
| Fidelity Gov’t Income Intermediate Government Securities # |
| Fidelity Sel Healthcare Heath Care Common Stock Fund # |
| Fidelity Sel Technology Technology Common Stocks # |
| Fidelity Sel Utilities Utility Common Stock Fund # |
| Fidelity Sel Financial Financial Services Common Stk Fd # |
| Fidelity Stk Selector Sm Cap Small Cap Stock Fund # |
| Fidelity Sel Industrials Domestic & Foreign Industrials Fund # |
| Fidelity Sel Cons Discr Consumer Discretionary Products Fd # |
| Fidelity Sel Natural Res Natural Resource Companies Stk Fd # |
| Fidelity Blue Chip Growth Large Growth Stock Fund # |
| Fidelity Contrafund Large Growth Stk Inv Fund # |
| Fidelity Diversified Intl Foreign Lg Growth Common Stk Fd # |
| Fidelity US Bond IDX Pr Intermediate – Term Bond Fund # |
| Fidelity 500 Index Premium Large Blend Stock Fund # |
| Fidelity Intl Index Premium Foreign Lg Blend Common Stk Fd # |
| Fidelity Ext Mkt ldx Premium Mid-Cap Blend – Stock Fund # |
| Fidelity Freedom Income Target Date Retirement Fund # |
| Fidelity Freedom 2015 Targeted Retirement – Blended # |
| Fidelity Freedom 2020 Targeted Retirement – Blended # |
| Fidelity Freedom 2025 Targeted Retirement – Blended # |
| Fidelity Freedom 2030 Targeted Retirement – Blended # |
| Fidelity Freedom 2035 Targeted Retirement – Blended # |
| Fidelity Freedom 2040 Targeted Retirement – Blended # |
| Fidelity Freedom 2045 Targeted Retirement – Blended # |
| Fidelity Freedom 2050 Targeted Retirement – Blended # |
| Fidelity Freedom 2055 Targeted Retirement – Blended # |
| Fidelity Freedom 2060 Targeted Retirement – Blended # |
| Fidelity Strategic Income Multisector Bond Fund # |
| Fidelity Freedom 2065 Targeted Retirement – Blended # |
| rates ranging from 4.25% to 9.50%. # |
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 PROJECT EMPLOYEE 401K RETIREMENT 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
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