APPLE 401(K) PLAN Investment Options
Available Funds in APPLE 401(K) PLAN
Below is the lineup of investment options available to participants in APPLE 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 |
|---|
| GALLIARD SHORT CORE FUND F (Fair value) Common/Collective Trust Fund |
| GALLIARD INTERMEDIATE CORE FUND L (Fair value) Common/Collective Trust Fund |
| WRAPPER Other |
| WF/BLACKROCK SHORT TERM INVESTMENT FUND S Common/Collective Trust Fund |
| AECOM Common Stock |
| AIR PRODUCTS & CHEMICALS Common Stock |
| ALPHABET INC CL A Common Stock |
| AMERICAN EXPRESS CO Common Stock |
| AMERICAN INTL GROUP Common Stock |
| ELEVANCE HEALTH INC Common Stock |
| ARAMARK Common Stock |
| AVANTOR INC Common Stock |
| BANK OF AMERICA CORPORATI Common Stock |
| CARNIVAL CORP Common Stock |
| COGNIZANT TECH SOLUTIONS Common Stock |
| COMCAST CORP CL A Common Stock |
| ENBRIDGE INC Common Stock |
| ELECTRONIC ARTS INC Common Stock |
| ENTERGY CORP Common Stock |
| BANK OF NOVA SCOTIA Common Stock |
| EXXON MOBIL CORP Common Stock |
| FIDELITY NATL INFORM SVCS Common Stock |
| FORTIVE CORP Common Stock |
| HALLIBURTON CO Common Stock |
| HESS CORP Common Stock |
| HUNT J B TRANSPORT SVCS I Common Stock |
| JACOBS SOLUTIONS INC Common Stock |
| KEURIG DR PEPPER INC Common Stock |
| LAS VEGAS SANDS CORP Common Stock |
| LITHIA MOTORS INC CL A Common Stock |
| M&T BANK CORP Common Stock |
| MERCK & CO INC NEW Common Stock |
| MICROCHIP TECH Common Stock |
| ORACLE CORP Common Stock |
| PERMIAN RESOURCES CORP CL Common Stock |
| PHILIP MORRIS INTL INC Common Stock |
| PHILLIPS 66 Common Stock |
| PINNACLE WEST CAPITAL COR Common Stock |
| PROLOGIS INC REIT Common Stock |
| PUBLIC STORAGE Common Stock |
| QUALCOMM INC Common Stock |
| SANOFI SPON ADR Common Stock |
| US BANCORP DEL Common Stock |
| UNITEDHEALTH GROUP INC Common Stock |
| VICI PPTYS INC Common Stock |
| WELLS FARGO & CO Common Stock |
| WYNN RESORTS LTD Common Stock |
| XCEL ENERGY INC Common Stock |
| CRH PLC Common Stock |
| WILLIS TOWERS WATSON PLC Common Stock |
| AXALTA COATING SYS LTD Common Stock |
| APTIV PLC Common Stock |
| MEDTRONIC PLC Common Stock |
| JOHNSON CONTROLS INTL PLC Common Stock |
| ACV AUCTIONS INC CL A Common Stock |
| ACADIA HEALTHCARE CO INC Common Stock |
| ADVANCED DRAINAGE SYS INC Common Stock |
| AMICUS THERAPEUTICS INC Common Stock |
| AZEK CO INC Common Stock |
| BWX TECH INC Common Stock |
| BIO TECHNE CORP Common Stock |
| BLUEPRINT MEDICINES CORP Common Stock |
| BRIGHT HORIZONS FAMILY SO Common Stock |
| BRINKS CO Common Stock |
| BURLINGTON STORES INC Common Stock |
| CF INDU HLDGS INC Common Stock |
| CARLYLE GROUP INC (THE) Common Stock |
| CASELLA WASTE SYS INC CL Common Stock |
| CHART INDU INC Common Stock |
| CHEMED CORP Common Stock |
| CHURCHILL DOWNS INC Common Stock |
| CLEARWATER ANALYTICS HLDG Common Stock |
| COGNEX CORP Common Stock |
| CONFLUENT INC Common Stock |
| CAMECO CORP Common Stock |
| CURTISS WRIGHT CORPORATIO Common Stock |
| EVEREST GROUP LTD Common Stock |
| DOXIMITY INC Common Stock |
| DYNATRACE INC Common Stock |
| ELF BEAUTY INC Common Stock |
| EAGLE MATERIALS INC Common Stock |
| ENCOMPASS HEALTH CORP Common Stock |
| EPAM SYS INC Common Stock |
| EVOLENT HEALTH INC A Common Stock |
| EXACT SCIENCES CORP Common Stock |
| EXLSVCS HLDGS INC Common Stock |
| FLYWIRE CORP Common Stock |
| FOX FACTORY HLDGS CORP Common Stock |
| FRESHPET INC Common Stock |
| GLAUKOS CORP Common Stock |
| GLOBUS MEDICAL INC Common Stock |
| GUIDEWIRE SOFTWARE INC Common Stock |
| INSMED INC Common Stock |
| INSPIRE MEDICAL SYS INC Common Stock |
| INSULET CORP Common Stock |
| KOSMOS ENERGY LTD Common Stock |
| LANCASTER COLONY CORP Common Stock |
| LATTICE SEMICONDUCTOR COR Common Stock |
| LOUISIANA PACIFIC CORP Common Stock |
| MADRIGAL PHARMACEUTICALS Common Stock |
| MANHATTAN ASSIC INC Common Stock |
| MERCURY SYS INC Common Stock |
| MERIT MEDICAL SYS INC Common Stock |
| MUELLER INDU INC Common Stock |
| NEOGEN CORP Common Stock |
| NEW FORTRESS ENERGY INC Common Stock |
| NICE LTD SPON ADR Common Stock |
| NOVANTA INC Common Stock |
| PARSONS CORP Common Stock |
| PENUMBRA INC Common Stock |
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 APPLE 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% | … | … |
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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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