AE 401(K) PLAN 5% 90 DAY Investment Options

Available Funds in AE 401(K) PLAN 5% 90 DAY

Below is the lineup of investment options available to participants in AE 401(K) PLAN 5% 90 DAY. 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.

Total Available Funds: 80
Investment Description
American Funds New World R6 3,722
BlackRock Commodity Strategies K 3,632
BlackRock Global Allocation K 3,774
BlackRock High Yield Bond Portfolio K 12,890
BlackRock Mid-Cap Growth Equity K 2,765
DFA Inflation-Protected Securities I 1,050
Fidelity 500 Index 9,160
Fidelity Advisor Intl Small Cap Z 84
Fidelity Freedom Index 2010 Instl Prem 31
Fidelity Freedom Index 2015 Instl Prem 28
Fidelity Freedom Index 2020 Instl Prem 1,237
Fidelity Freedom Index 2025 Instl Prem 7,815
Fidelity Freedom Index 2030 Instl Prem 20,028
Fidelity Freedom Index 2035 Instl Prem 26,699
Fidelity Freedom Index 2040 Instl Prem 21,038
Fidelity Freedom Index 2045 Instl Prem 8,146
Fidelity Freedom Index 2050 Instl Prem 12,175
Fidelity Freedom Index 2055 Instl Prem 22,620
Fidelity Freedom Index 2060 Instl Prem 9,258
Fidelity Freedom Index 2065 Instl Prem 5,348
Fidelity Freedom Index 2070 Instl Prem 1,136
Fidelity Freedom Index Inc Instl Prem 2,433
Fidelity Mid Cap Index 6,270
Fidelity Small Cap Index 8,037
Fidelity Us Bond Index 13,448
Franklin Small Cap Value R6 1,968
Hartford International Opportunities R6 50,727
Invesco Discovery R6 852
JPMorgan Government Bond R6 11,863
JPMorgan Large Cap Growth R6 16,330
MFS Aggressive Growth Allocation R6 420
MFS Conservative Allocation R6 666
MFS Growth Allocation R6 3,921
MFS Moderate Allocation R6 11,746
PIMCO Income Instl 883
Putnam Large Cap Value Trust I 25,261
Ei Fixed Account – Series Class I
1AGGPX 13,089.45
1MAGQX 98,747.87
1MAMPX 229,844.44
1MACQX 11,441.91
1FFGZX 27,950.01
1FRBUX 11,930.89
1FFWTX 407.34
1FIWFX 408.51
1FIWTX 19,824.10
1FFEDX 143,414.50
1FFEGX 383,281.17
1FFEZX 578,608.91
1FFIZX 480,967.90
1FFOLX 204,882.10
1FFOPX 290,050.90
1FFLDX 467,831.41
1FFLEX 166,182.54
1FFIKX 73,952.38
1RNWGX 276,708.19
1MKLOX 69,129.12
1FIQIX 2,670.93
1FTIHX 322,256.12
1IHOVX 901,854.83
1BCSKX 29,875.90
1PJEQX 32,886.05
1FSSNX 194,867.90
1FRSCV6 111,664.16
1ODIIX 109,058.35
1AMDVX 47,574.77
1BMGKX 105,569.28
1FSMDX 188,580.99
1FXAIX 1,563,400.49
1JLGMX 1,039,156.76
1PLCVTI 469,272.64
1BRHYX 90,188.70
1DIPSX 11,368.71
1FBKWX 748,508.44
1FXNAX 138,849.13
1OGGYX 112,456.54
1PIMIX 9,354.04
1PGTQX 8,855.00
1GWAQ35 1.450 858,362.01
FORFEITURES 8,675.61

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:

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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 AE 401(K) PLAN 5% 90 DAY. 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%
Data as of 05/01/2026, Common starting date is 12/31/2000

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