WISE PLASTICS TECHNOLOGIES, INC. 401(K) PLAN Investment Options
Available Funds in WISE PLASTICS TECHNOLOGIES, INC. 401(K) PLAN
Below is the lineup of investment options available to participants in WISE PLASTICS TECHNOLOGIES, INC. 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 |
|---|
| Alger Alger Mid Cap Growth Z |
| Allspring Allspring Special Small Cap Value R6 |
| American Century Emerging Markets R6 |
| 01/21/2022 01/29/2022 |
| 08/18/2023 08/30/2023 |
| 02/02/2024 02/19/2024 |
| 08/30/2024 09/16/2024 |
| iShares iShares Russell 2000 Small-Cap Index K |
| iShares iShares Russell Mid-Cap Index K |
| iShares iShares S&P 500 Index K |
| JPMorgan Core Plus Bond R6 |
| JPMorgan Equity Income R6 |
| JPMorgan Large Cap Growth R6 |
| JPMorgan Smart Retirement 2030 R6 |
| JPMorgan Smart Retirement 2035 R6 |
| JPMorgan Smart Retirement 2040 R6 |
| JPMorgan Smart Retirement 2045 R6 |
| JPMorgan Smart Retirement 2050 R6 |
| JPMorgan Smart Retirement 2055 R6 |
| JPMorgan Smart Retirement 2060 R6 |
| JPMorgan Smart Retirement Income R6 |
| MFS Research R6 |
| MFS International Growth R6 |
| MFS Mid Cap Value R6 |
| PIMCO GNMA & Government Securities Inst |
| EI Investment Management EI Fixed Account – Series Class I |
| 1JSMYX 1,285,838.50 |
| 1SRJYX 378,735.71 |
| 1SMTYX 832,206.47 |
| 1JSAYX 302,517.45 |
| 1JTSYX 419,129.68 |
| 1JFFYX 158,250.22 |
| 1JAKYX 39,526.30 |
| 1JSIYX 133.00 |
| 1AEDMX 22,026.97 |
| 1FSGGX 1,045,967.07 |
| 1MGRDX 125,140.19 |
| 1PJEQX 37,386.97 |
| 1BDBKX 208,494.90 |
| 1FSMLX 44,910.85 |
| 1OSSIX 1,306.62 |
| 1ESPRX 86,941.92 |
| 1AMCZX 44,933.49 |
| 1BRMKX 370,935.47 |
| 1MVCKX 66,581.26 |
| 1OPMSX 5,018.51 |
| 1WFSPX 1,130,610.59 |
| 1OIEJX 243,720.73 |
| 1JLGMX 125,281.84 |
| 1MFRKX 128,922.48 |
| 1JCPUX 2,195,422.03 |
| 1PDMIX 106,600.13 |
| 1GWAQ35 1.450 678,039.61 |
| FORFEITURES 16,199.30 |
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 WISE PLASTICS TECHNOLOGIES, INC. 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% | … | … |
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
- more …
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