ALUDYNE INC. 401(K) PLAN Investment Options
Available Funds in ALUDYNE INC. 401(K) PLAN
Below is the lineup of investment options available to participants in ALUDYNE 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 |
|---|
| BlackRock Inflation Protected Bond Fund |
| Fidelity Investments Fidelity |
| Fidelity Investments Fidelity Balanced Fund K |
| Fidelity Investments Fidelity Capital & Income Fund |
| Fidelity Investments Fidelity Emerging Markets Fund |
| Fidelity Investments Fidelity Freedom 2010 Fund K |
| Fidelity Investments Fidelity Freedom 2015 Fund K |
| Fidelity Investments Fidelity Freedom 2020 Fund K |
| Fidelity Investments Fidelity Freedom 2025 Fund K |
| Fidelity Investments Fidelity Freedom 2030 Fund K |
| Fidelity Investments Fidelity Freedom 2035 Fund K |
| Fidelity Investments Fidelity Freedom 2040 Fund K |
| Fidelity Investments Fidelity Freedom 2045 Fund K |
| Fidelity Investments Fidelity Freedom 2050 Fund K |
| Fidelity Investments Fidelity Freedom 2055 Fund K |
| Fidelity Investments Fidelity Freedom 2060 Fund K |
| Fidelity Investments Fidelity Freedom 2065 Fund K |
| Fidelity Investments Fidelity Freedom 2070 Fund K |
| Fidelity Investments Fidelity Freedom Income Fund K |
| Fidelity Investments Fidelity International |
| Fidelity Investments Fidelity Mid Cap |
| Fidelity Investments Fidelity Small Cap Growth |
| Fidelity Investments Fidelity Small Cap |
| Fidelity Investments Fidelity Strategic Income Fund |
| Fidelity Investments Fidelity US Bond |
| Franklin Templeton Franklin Convertible Securities Fund |
| Janus Henderson Enterprise Fund Class T |
| JP Morgan JPMorgan Large Cap Growth Fund |
| JP Morgan JPMorgan US Value Fund R6 |
| Prudential Financial PGIM Jennison Utility Fund |
| Sycamore Capital Victory Sycamore Established Value Fund |
| Great Gray Trust Company AC Small Cap Value Fund |
| Great Gray Trust Company International Growth Fund II R1 |
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 ALUDYNE 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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