SUMMIT 7 SYSTEMS 401(K) PLAN Investment Options
Available Funds in SUMMIT 7 SYSTEMS 401(K) PLAN
Below is the lineup of investment options available to participants in SUMMIT 7 SYSTEMS 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 |
|---|
| Fidelity Investments FA International Capital Appreciation Class I |
| Fidelity Investments FA Growth Opportunities Class I |
| Fidelity Investments FA Value Strategies Fund – Class A |
| Fidelity Investments FA Small Cap Growth Fund – Class A |
| Fidelity Investments FID US Bond |
| Fidelity Investments FA Asset Manager 50% Class I |
| Fidelity Investments FA Asset Manager 70% Class I |
| Fidelity Investments FA Asset Manager 85% Class I |
| Fidelity Investments FA Stock Selector Small Cap Class I |
| Fidelity Investments FA Stock Selector Mid Cap Class I |
| Fidelity Investments FID Small Cap Value |
| Fidelity Investments FID Large Cap Value |
| Fidelity Investments FID Mid Cap Value |
| Fidelity Investments FID Large Cap Growth |
| Fidelity Investments FID |
| Fidelity Investments FID Freedom Index 2025 Fund Investor Class |
| Fidelity Investments FID Freedom Index 2030 Fund Investor Class |
| Fidelity Investments FID Freedom Index 2035 Fund Investor Class |
| Fidelity Investments FID Freedom Index 2040 Fund Investor Class |
| Fidelity Investments FID Freedom Index 2045 Fund Investor Class |
| Fidelity Investments FID Freedom Index 2050 Fund Investor Class |
| Fidelity Investments FID Freedom Index 2055 Fund Investor Class |
| Fidelity Investments FID Freedom Index 2060 Fund Investor Class |
| Fidelity Investments FID Freedom Index 2065 Fund Investor Class |
| Fidelity Investments FID Freedom Index 2070 Fund Investor Class |
| American Century AC Small Cap Value Fund R5 Class |
| American Century AC Large Cap Equity Class I |
| American Funds AF Fundamental Investors Class R-5E |
| American Funds AF The Growth Fund of America Class R-5E |
| American Funds AF Capital World Growth and Income Fund |
| American Funds AF New World Fund R4 |
| Allspring AS Special Mid Cap Value Fund Class R6 |
| BlackRock Equity Dividend Fund |
| BlackRock Global Allocation Fund Class I |
| Franklin Mutual Franklin Mutual Global Discovery Fund Class Z |
| Janus Henderson Enterprise Fund Class I |
| MFS Investments MFS Value Fund Class R4 |
| MFS Investments MFS Mid Cap Growth Fund Class R4 |
| PIMCO Income Fund Institutional Class |
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 SUMMIT 7 SYSTEMS 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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