ANDERSON CONCRETE CORPORATION RETIREMENT SAVINGS PLAN AND TRUST Investment Options

Available Funds in ANDERSON CONCRETE CORPORATION RETIREMENT SAVINGS PLAN AND TRUST

Below is the lineup of investment options available to participants in ANDERSON CONCRETE CORPORATION RETIREMENT SAVINGS PLAN AND TRUST. 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: 21
Investment Description
Harbor Harbor Small Cap Value Ret
T. Rowe Price Retire 2005
T. Rowe Price Retire 2010
T. Rowe Price Retire 2015
T. Rowe Price Retire 2020 Inv
T. Rowe Price Retire 2025
T. Rowe Price Retire 2030 Inv
T. Rowe Price Retire 2035
T. Rowe Price Retire 2040 Inv
T. Rowe Price Retire 2045
T. Rowe Price Retire 2055
T. Rowe Price Retire 2050
T. Rowe Price New Horiz
T. Rowe Price Retire Inc
Advisors DFA Emerging Markets Value
Vanguard International Value Inv
T. Rowe Price Retire 2060
T. Rowe Price Retire 2065
Fidelity 500 Index
Company Value
ranging from 4.25 to 9.50 percent –

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 ANDERSON CONCRETE CORPORATION RETIREMENT SAVINGS PLAN AND TRUST. 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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