RICK ENGINEERING 401(K) RETIREMENT SAVINGS PLAN Investment Options
Available Funds in RICK ENGINEERING 401(K) RETIREMENT SAVINGS PLAN
Below is the lineup of investment options available to participants in RICK ENGINEERING 401(K) RETIREMENT 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 |
|---|
| Fidelity 500 Index – (FUSEX) |
| JPMorgan Lg Cap Gr R6 – |
| MFS Val R3 – |
| JPMorgan Small Cap Eq R5 – (VSEIX) |
| Vanguard FTSE All Wld ex-US Idx Adm – (VFWIX) |
| Vanguard Mid Cap Index Adm – (VIMSX) |
| Principal Core Fixed Inc Instl – (PDIVX) |
| BNY BNY Mellon Worldwide Gr I – |
| PIMCO Inc Instl – (PFCIX) |
| Vanguard Small Cap Index Adm – (VISVX) |
| American Century Gov't Bd R5 – |
| Vanguard Intl Gr Adm – (VAARX) |
| Cohen & Steers Cohen & Steers Instl Realty Shares – (CSRIX) |
| Macquarie Macquarie Emerging Mkts R6 – |
| Vanguard Short Term Inv Grade Adm – (VFSTX) |
| Vanguard Long Term Inv Grade Adm – (VWESX) |
| Charles Schwab Instl Personal Choice Retirement Accounts – |
| Wilmington Trust Small Cap Val – (ARPEX) |
| Wilmington Trust Wilmington Tr T. Rowe 2030 – (TRRCX) |
| Wilmington Trust Wilmington Tr T. Rowe 2040 – (TRRDX) |
| Metlife Reliance/MetLife Stable 25053 – |
| Wilmington Trust Wilmington Tr T. Rowe 2035 – (TRRJX) |
| Wilmington Trust Wilmington Tr T. Rowe 2045 – (TRRKX) |
| Wilmington Trust Wilmington Tr T. Rowe 2055 – (TRRNX) |
| Wilmington Trust Wilmington Tr T. Rowe 2025 – (TRRHX) |
| Wilmington Trust Wilmington Tr T. Rowe 2050 – (TRRMX) |
| Wilmington Trust Wilmington Tr T. Rowe 2020 – (TRRBX) |
| Wilmington Trust Wilmington Tr T. Rowe 2060 – (TRPLX) |
| Wilmington Trust Wilmington Tr T. Rowe 2015 – (TRRGX) |
| Wilmington Trust Mid Cap Gr Fund Class – (ARMEX) |
| Wilmington Trust Mid Cap Val Fund Fee Class R1 – |
| Wilmington Trust Wilmington Tr T. Rowe 2065 – (PASUX) |
| AMERICAN CENTURY GOVT BOND R5 1/1/2024 12/31/2024 4.835 |
| BNY MELLON BNY MELLON WORLDWIDE GROWTH I* 1/1/2024 12/31/2024 24.175 |
| COHEN & STEERS COHEN & STEERS INSTL REALTY 1/1/2024 12/31/2024 9.670 |
| JP MORGAN JPMORGAN SMALL CAP EQUITY R5 1/1/2024 12/31/2024 9.670 |
| MFS VALUE FUND CLASS R3 1/1/2024 12/31/2024 48.350 |
| PRINCIPAL CORE FIXED INCOME INSTL 1/1/2024 12/31/2024 9.670 (PDIVX) |
| Fidelity 500 Index (FUSEX) |
| JPMorgan Lg Cap Gr R6 |
| JPMorgan Small Cap Eq R5 (VSEIX) |
| MFS Val R3 |
| Principal Core Fixed Inc Instl (PDIVX) |
| Vanguard FTSE All Wld ex-US Idx Adm (VFWIX) |
| Vanguard Mid Cap Index Adm (VIMSX) |
| Metlife Reliance/MetLife Stable 25053 Cl |
| Wilmington Trust Small Cap Val II I1 (ARPEX) |
| Wilmington Trust Wilmington Tr T. Rowe 2020 Tr l1 (TRRBX) |
| Wilmington Trust Wilmington Tr T. Rowe 2025 Tr l1 (TRRHX) |
| Wilmington Trust Wilmington Tr T. Rowe 2030 Tr l1 (TRRCX) |
| Wilmington Trust Wilmington Tr T. Rowe 2035 Tr l1 (TRRJX) |
| Wilmington Trust Wilmington Tr T. Rowe 2040 Tr l1 (TRRDX) |
| Wilmington Trust Wilmington Tr T. Rowe 2045 Tr l1 (TRRKX) |
| Wilmington Trust Wilmington Tr T. Rowe 2050 Tr l1 (TRRMX) |
| Wilmington Trust Wilmington Tr T. Rowe 2055 Tr l1 (TRRNX) |
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 RICK ENGINEERING 401(K) RETIREMENT 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% | … | … |
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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
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