ADNET SYSTEMS, INC. 401(K) PLAN Investment Options
Available Funds in ADNET SYSTEMS, INC. 401(K) PLAN
Below is the lineup of investment options available to participants in ADNET SYSTEMS, 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 |
|---|
| American Funds American Balanced R6 |
| BlackRock Health Sciences Opps K |
| BlackRock Technology Opportunities K |
| Franklin Utilities R6 |
| Goldman Sachs Small Cp Val Insghts R6 |
| Hartford Hartford Strategic Income R6 |
| Blackrock Ishares U.S. Aggregate Bond Index K |
| JP Morgan Jpmorgan Emerging Markets Equity R6 |
| JP Morgan Jpmorgan Mid Cap Growth R6 |
| Massmutual Massmutual High Yield Service |
| MFS Massachusetts Investors Tr R6 |
| PIMCO Global Bond Opps Inst |
| PIMCO Real Return Instl |
| Empower Trust Empower T. Rowe Price Value I |
| Vanguard Group Vanguard 500 Index Admiral |
| Vanguard Group Vanguard Developed Markets Index Admiral |
| Vanguard Group Vanguard Energy Index Adm |
| Vanguard Group Vanguard Equity Income Fund |
| Vanguard Group Vanguard Financials Index Adm |
| Vanguard Group Vanguard Growth Index Adm |
| Vanguard Group Vanguard Lifestrategy Cnsrv Gr Inv |
| Vanguard Group Vanguard Lifestrategy Growth Inv |
| Vanguard Group Vanguard Lifestrategy Income Inv |
| Vanguard Group Vanguard Lifestrategy Moderate Growth |
| Vanguard Group Vanguard Mid Cap Index Fund – Admiral |
| Vanguard Group Vanguard Mid-Cap Growth Index Admiral |
| Vanguard Group Vanguard Mid-Cap Value Index Admiral |
| Vanguard Group Vanguard Small Cap Growth Index Admiral |
| Vanguard Group Vanguard Small Cap Index Adm |
| Victory Victory RS Global R6 |
| Putnam Investments Putnam Retirement Advantage Trst 2025 |
| Putnam Investments Putnam Retirement Advantage Trst 2030 |
| Putnam Investments Putnam Retirement Advantage Trst 2035 |
| Putnam Investments Putnam Retirement Advantage Trst 2040 |
| Putnam Investments Putnam Retirement Advantage Trst 2045 |
| Putnam Investments Putnam Retirement Advantage Trst 2050 |
| Putnam Investments Putnam Retirement Advantage Trst 2055 |
| Putnam Investments Putnam Retirement Advantage Trst 2060 |
| Putnam Investments Putnam Retirement Advantage Trst Mat |
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 ADNET SYSTEMS, 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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