US INFORMATION SYSTEMS 401(K) PLAN Investment Options
Available Funds in US INFORMATION SYSTEMS 401(K) PLAN
Below is the lineup of investment options available to participants in US INFORMATION 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 |
|---|
| Attachment – Form |
| AT DECEMBER 31, |
| Western Asset WA CORE BOND I |
| Western Asset WA CORE BOND A |
| Columbia COL CONTRARIAN CORE I |
| BlackRock BLKRK EQUITY DIV- INSTL |
| JP Morgan JPMORGAN SMID CAP EQUITY – A |
| American Century AM CENT MDCPVAL INV |
| Clearbridge CLEARBRIDGE SMALL CAP GR IS |
| Eaton Vance EV INC FUND BOSTON A |
| PIMCO PIM REAL RETURN A |
| Janus J H TRITON S |
| All Spring AS EMRG MKTS EQ A |
| Principal MIDCAP FUND R3 |
| Fidelity Advisor FA INDUSTRIALS A |
| Fidelity Advisor FA TECHNOLOGY I |
| Fidelity Advisor FA ENERGY A |
| Fidelity Advisor FA HEALTH CARE I |
| Fidelity Advisor FID GOVT MMKT |
| Fidelity Advisor FA FREEDOM 2010 A |
| Fidelity Advisor FA FREEDOM 2020 A |
| Fidelity Advisor FA FREEDOM 2030 A |
| Fidelity Advisor FA FREEDOM 2040 |
| Fidelity Advisor FA FREEDOM INC A |
| Fidelity Advisor FA NEW INSIGHTS I |
| Fidelity Advisor FA FREEDOM 2015 A |
| Fidelity Advisor FA FREEDOM 2025 A |
| Fidelity Advisor FA FREEDOM 2035 A |
| Fidelity Advisor FA SM CAP VAL I |
| Fidelity Advisor FA INTL DISCOVERY I |
| Fidelity Advisor FA FREEDOM 2045 A |
| Fidelity Advisor FA FREEDOM 2050 A |
| Fidelity Advisor FA GOV INCOME I |
| Fidelity Advisor FA CONS STAPLES A |
| Fidelity Advisor FA GOLD A |
| Fidelity Advisor FID US BOND IDX |
| Fidelity Advisor FID 500 INDEX |
| Fidelity Advisor FA FREEDOM 2055 A |
| Fidelity Advisor FID MID CAP IDX |
| Fidelity Advisor FID SM CAP IDX |
| Fidelity Advisor FID INTL INDEX |
| Fidelity Advisor FA FREEDOM 2060 A |
| Fidelity Advisor FA FREEDOM 2065 A |
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 US INFORMATION 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?
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