A O SMITH RETIREMENT SECURITY PLAN Investment Options
Available Funds in A O SMITH RETIREMENT SECURITY PLAN
Below is the lineup of investment options available to participants in A O SMITH RETIREMENT SECURITY 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 |
|---|
| Abbott Laboratories Common Stock N/A N/A N/A |
| Accenture PLC Common Stock N/A N/A N/A |
| Adobe Inc com Common Stock N/A N/A N/A |
| Alphabet Inc Cap Stk CL C Common Stock N/A N/A N/A |
| Amazon.com Inc Common Stock N/A N/A N/A |
| Apple Inc Common Stock N/A N/A N/A |
| STK Common Stock N/A N/A N/A |
| Bank America Corp Com Common Stock N/A N/A N/A |
| Blackrock Inc Com USD Common Stock N/A N/A N/A |
| Cisco Systems Inc Common Stock N/A N/A N/A |
| Costco Wholesale Corp Com USD Common Stock N/A N/A N/A |
| Danaher Corporation Com Common Stock N/A N/A N/A |
| Deere and Co Common Stock N/A N/A N/A |
| Eaton corporation PLC Common Stock N/A N/A N/A |
| Expedia Group Inc Common Stock N/A N/A N/A |
| Eccon Mobil Corp Com Common Stock N/A N/A N/A |
| Goldman Sachs group Inc Com USD Common Stock N/A N/A N/A |
| Home Depot Inc Common Stock N/A N/A N/A |
| Honeywell International Inc Com USD Common Stock N/A N/A N/A |
| Jacobs solutions Inc Com Common Stock N/A N/A N/A |
| Johnson and Johnson Com USD Common Stock N/A N/A N/A |
| Jones Lang Lasalle Inc Com Common Stock N/A N/A N/A |
| JPMorgan Chase and Co Common Stock N/A N/A N/A |
| Kinder Morgan Inc Com USD Common Stock N/A N/A N/A |
| Lam Research Corp Com USD Common Stock N/A N/A N/A |
| Leidos Holdings Inc Com Common Stock N/A N/A N/A |
| Merck and Co Inc Com Common Stock N/A N/A N/A |
| Stock Common Stock N/A N/A N/A |
| Microsoft Corp Common Stock N/A N/A N/A |
| Northrop Grumman Corp Com USD Common Stock N/A N/A N/A |
| Prudential Financial Inc Common Stock N/A N/A N/A |
| Qualcomm Inc Common Stock N/A N/A N/A |
| Regeneron Pharmaceuticals Inc Common Stock N/A N/A N/A |
| Salesforce Inc Com Common Stock N/A N/A N/A |
| Verizon Communications Inc Common Stock N/A N/A N/A |
| Visa Inc Common Stock N/A N/A N/A |
| Vontier Corporation Com Common Stock N/A N/A N/A |
| Ishares Core S&P 500 ETF Common Stock N/A N/A N/A |
| Ishares TR Ishares Semicdtr Common Stock N/A N/A N/A |
| Select Sector Spdr Tr Communication Common Stock N/A N/A N/A |
| Select Sector Spdr Trust Technology Common Stock N/A N/A N/A |
| Schwab Charles Corp Corporate Bond 125,000 3.625% 4/1/2025 |
| Phillips 66 Not Corporate Bond 150,000 3.850% 4/09/2025 |
| Citizens Bank Corporate Bond 100,000 2.250% 4/28/2025 |
| Constellation Energy Corporate Bond 150,000 3.250% 6/01/2025 |
| Morgan Stanley MTN Corporate Bond 110,000 5.000% 11/24/2025 |
| Altria Group Inc Corporate Bond 120,000 4.400% 2/14/2026 |
| Gilead Sciences Inc Corporate Bond 115,000 3.650% 03/01/2026 |
| Bank of America Corp MTN Corporate Bond 100,000 4.450% 3/03/2026 |
| The Cigna Group Corporate Bond 115,000 1.250% 3/15/2026 |
| Oracle Corp Corporate Bond 125,000 1.650% 3/25/2026 |
| Citigroup Inc Corporate Bond 115,000 3.400% 5/01/2026 |
| Ebay Inc Corporate Bond 50,000 1.400% 5/10/2026 |
| Abbive Inc Corporate Bond 115,000 3.200% 5/14/2026 |
| Capital One Finl Corp Note Corporate Bond 100,000 3.750% 7/28/2026 |
| General Electric Co MTN Corporate Bond 50,000 4.650% 8/15/2026 |
| Morgan Stanley MTN Corporate Bond 75,000 4.350% 9/08/2026 |
| Allstate Corp Corporate Bond 50,000 3.280% 12/15/2026 |
| Intel Corp Corporate Bond 100,000 3.150% 5/11/2027 |
| Athene Holding LTD Note Corporate Bond 100,000 4.125% 01/12/2028 |
| Bank of America Corp Bond Corporate Bond 100,000 6.875% 1/15/2028 |
| Halliburton Co Corporate Bond 60,000 2.920% 3/1/2030 |
| Sysco Corp Corporate Bond 50,000 5.950% 4/1/2030 |
| Cencora Inc Corporate Bond 70,000 2.800% 5/15/2030 |
| Company contributions |
| Years Ended December 31, 2024 and |
| Interest and dividends |
| Net income |
| Participants |
| Benefit and withdrawal payments |
| Change in net assets available before transfers |
| Transfers from other plans |
| Change in net assets available for benefits |
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 A O SMITH RETIREMENT SECURITY 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
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