SUNRISE EXPRESS 401(K) PROFIT SHARING PLAN Investment Options
Available Funds in SUNRISE EXPRESS 401(K) PROFIT SHARING PLAN
Below is the lineup of investment options available to participants in SUNRISE EXPRESS 401(K) PROFIT SHARING 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 |
|---|
| Baird Core Plus Bond Fund Institutional Class Pooled Separate Account (BCOIX) |
| DFA US Targeted Value Portfolio Institutional Class Pooled Separate Account |
| Fidelity US Bond Index Fund Pooled Separate Account |
| Fidelity 500 Index Fund Pooled Separate Account (FUSEX) |
| Fidelity Freedom Index 2010 Fund-Institutional Premium Class Pooled Separate Account (FFWTX) |
| Fidelity Freedom Index 2015 Fund-Institutional Premium Class Pooled Separate Account (FIWFX) |
| Fidelity Freedom Index 2020 Fund-Institutional Premium Class Pooled Separate Account (FIWTX) |
| Fidelity Freedom Index 2025 Fund-Institutional Premium Class Pooled Separate Account (FFEDX) |
| Fidelity Freedom Index 2030 Fund-Institutional Premium Class Pooled Separate Account (FFEGX) |
| Fidelity Freedom Index 2035 Fund-Institutional Premium Class Pooled Separate Account (FFEZX) |
| Fidelity Freedom Index 2040 Fund-Institutional Premium Class Pooled Separate Account (FFIZX) |
| Fidelity Freedom Index 2045 Fund-Institutional Premium Class Pooled Separate Account (FFOLX) |
| Fidelity Freedom Index 2050 Fund-Institutional Premium Class Pooled Separate Account (FFOPX) |
| Fidelity Freedom Index 2055 Fund-Institutional Premium Class Pooled Separate Account (FFLDX) |
| Fidelity Freedom Index 2060 Fund-Institutional Premium Class Pooled Separate Account (FFLEX) |
| Fidelity Freedom Index 2065 Fund-Institutional Premium Class Pooled Separate Account (FFIKX) |
| Fidelity Mid Cap Index Fund Pooled Separate Account (FIIMX) |
| Fidelity Small Cap Index Fund Pooled Separate Account (FSISX) |
| MFS International Growth Fund Class R6 Pooled Separate Account (MQGIX) |
| Vanguard Equity Income Fund Admiral Shares Pooled Separate Account (VEIPX) |
| Vanguard Explorer Fund Admiral Shares Pooled Separate Account (VINEX) |
| Voya Fixed Account Guaranteed Investment Contract |
| Notes receivable from participants Maturing between February |
| of 5.75% to 9.50% |
| AB Large Cap Grw Fnd Z Registered Investment Company |
| Baird Core Plus Bond Fund Ins Registered Investment Company (BCOIX) |
| DFA US Targeted Vl Port Ins Registered Investment Company |
| Fid US Bd Id Fd Registered Investment Company |
| Fidelity 500 Index Fund Registered Investment Company (FRESX) |
| Fidelity Freedom In 2010 InstP Registered Investment Company (FFFCX) |
| Fidelity Freedom In 2015 InstP Registered Investment Company (FFVFX) |
| Fidelity Freedom In 2020 InstP Registered Investment Company (FFFDX) |
| Fidelity Freedom In 2025 InstP Registered Investment Company (FFTWX) |
| Fidelity Freedom In 2030 InstP Registered Investment Company (FFFEX) |
| Fidelity Freedom In 2035 InstP Registered Investment Company (FFTHX) |
| Fidelity Freedom In 2040 InstP Registered Investment Company (FFFFX) |
| Fidelity Freedom In 2045 InstP Registered Investment Company (FFFGX) |
| Fidelity Freedom In 2050 InstP Registered Investment Company (FFFHX) |
| Fidelity Freedom In 2055 InstP Registered Investment Company (FDEWX) |
| Fidelity Freedom In 2060 InstP Registered Investment Company (FDKNX) |
| Fidelity Freedom In 2065 InstP Registered Investment Company |
| Fidelity Mid Cap Idx Fd Registered Investment Company |
| Fidelity Sm Cp Ind Fd Registered Investment Company |
| MFS International Grw Fund R6 Registered Investment Company (GIEIX) |
| Vangrd Equity Income Fund Adm Registered Investment Company (NVIEX) |
| Vangrd Explorer Fund Adm Registered Investment Company |
| Vangrd Federal Mny Mkt Fd Inv Registered Investment Company |
| Vangrd Tot Int Stk In F Adm Registered Investment Company |
| Voya Gv Mny Mkt F A (Hld Acct) Registered Investment Company |
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 SUNRISE EXPRESS 401(K) PROFIT SHARING 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% | … | … |
Get Key Insights for This Plan
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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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