SUTTER HEALTH 401(K) SAVINGS PLAN Investment Options
Available Funds in SUTTER HEALTH 401(K) SAVINGS PLAN
Below is the lineup of investment options available to participants in SUTTER HEALTH 401(K) 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 INVESTMENTS MONEY MARKET FUNDS GOVERNMENT (GVMXX) |
| FIDELITY 500 INDEX (FUSEX) |
| T. ROWE PRICE INSTITUTIONAL LARGE CAP CORE GROWTH (TPLGX) |
| FIDELITY FREEDOM BLEND 2030 PR (FHAEX) |
| FIDELITY BALANCED K (FGBLX) |
| FIDELITY FREEDOM BLEND 2035 PR (FHASX) |
| FIDELITY EXTENDED MARKET INDEX (FSEMX) |
| FIDELITY FREEDOM BLEND 2040 PR (FHARX) |
| FIDELITY FREEDOM BLEND 2025 PR (FHAUX) |
| FIDELITY FREEDOM BLEND 2045 PR (FHAQX) |
| FIDELITY FREEDOM BLEND 2020 PR (FHAVX) |
| FIDELITY FREEDOM BLEND 2050 PR (FHAPX) |
| DODGE & COX STOCK X (DODFX) |
| DODGE & COX INCOME (DODIX) |
| FIDELITY SMALL CAP GROWTH K6 (FCIGX) |
| FIDELITY FREEDOM BLEND 2015 PR (FHAWX) |
| FIDELITY GLOBAL EX US INDEX |
| PARNASSUS EQUITY INC INST (PRBLX) |
| NORTHERN SMALL CAP VALUE (NOSGX) |
| FIDELITY U.S. BOND INDEX (FSHBX) |
| AMERICAN FUNDS EUROPACIFIC GROWTH R6 (FEPUX) |
| FIDELY FREEDOM BLEND 2055 PR (FHAOX) |
| PIMCO LOW DURATION INST (FILMX) |
| FIDELITY FREEDOM BLEND INCOME PR (FHAHX) |
| LAZARD EMERGING MARKETS EQUITY INST (LZEMX) |
| COHEN & STEERS REAL ESTATE SECURITIES INST (CSDIX) |
| FIDELITY INFLATION-PROT BD INDEX (FINPX) |
| FIDELY FREEDOM BLEND 2010 PR (FHABX) |
| FIDELY FREEDOM BLEND 2060 PR (FHANX) |
| FIDELY FREEDOM BLEND 2005 PR (FHAAX) |
| FIDELY FREEDOM BLEND 2065 PR (FAXDX) |
| FIDELITY SEL CONS STAPLES (FDAGX) |
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 SUTTER HEALTH 401(K) 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
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