CARGO PARTNER NETWORK 401(K) PLAN Investment Options
Available Funds in CARGO PARTNER NETWORK 401(K) PLAN
Below is the lineup of investment options available to participants in CARGO PARTNER NETWORK 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 Fund |
| American Funds The Growth Fund of America |
| American Funds AMCAP Fund |
| American Funds 2050 Target Date Retirement Fund |
| American Funds Fundamental Investors |
| American Funds New Perspective Fund |
| American Funds Capital World Growth and Income Fund |
| American Funds Washington Mutual Investors Fund |
| American Funds Capital Income Builder |
| American Funds The New Economy Fund |
| American Funds 2035 Target Date Retirement Fund |
| American Funds Capital World Bond Fund |
| American Funds Smallcap World Fund |
| American Funds American High-Income Trust |
| American Funds EuroPacific Growth Fund |
| American Funds 2020 Target Date Retirement Fund |
| American Funds New World Fund |
| American Funds International Growth and Income Fund |
| American Funds 2065 Target Date Retirement Fund |
| American Funds 2030 Target Date Retirement Fund |
| American Funds The Income Fund of America |
| American Funds 2040 Target Date Retirement Fund |
| American Funds Intermediate Bond Fund of America |
| American Funds 2045 Target Date Retirement Fund |
| American Funds 2060 Target Date Retirement Fund |
| American Funds 2025 Target Date Retirement Fund |
| American Funds 2055 Target Date Retirement Fund |
| CAPITAL BANK AND TRUST COMPANY WASHINGTON MUTUAL INVESTORS FUND 135788 |
| CAPITAL BANK AND TRUST COMPANY AMCAP FUND 325548 |
| CAPITAL BANK AND TRUST COMPANY THE GROWTH FUND OF AMERICA 354503 |
| CAPITAL BANK AND TRUST COMPANY THE INCOME FUND OF AMERICA 15506 |
| CAPITAL BANK AND TRUST COMPANY NEW PERSPECTIVE FUND 155945 |
| CAPITAL BANK AND TRUST COMPANY FUNDAMENTAL INVESTORS 160657 |
| CAPITAL BANK AND TRUST COMPANY AMERICAN BALANCED FUND 2031572 |
| CAPITAL BANK AND TRUST COMPANY CAPITAL INCOME BUILDER 112183 |
| CAPITAL BANK AND TRUST COMPANY THE NEW ECONOMY FUND 104755 |
| CAPITAL BANK AND TRUST COMPANY EUROPACIFIC GROWTH FUND 52670 |
| CAPITAL BANK AND TRUST COMPANY AMERICAN HIGH-INCOME TRUST 56380 |
| CAPITAL BANK AND TRUST COMPANY INTERMEDIATE BOND FUND OF AMERICA 10905 |
| CAPITAL BANK AND TRUST COMPANY CAPITAL WORLD BOND FUND 64105 |
| CAPITAL BANK AND TRUST COMPANY CAPITAL WORLD GROWTH AND INCOME FUND 144246 |
| CAPITAL BANK AND TRUST COMPANY SMALLCAP WORLD FUND 58283 |
| CAPITAL BANK AND TRUST COMPANY NEW WORLD FUND 37858 |
| CAPITAL BANK AND TRUST COMPANY AMERICAN FUNDS 2020 TARGET DATE RETIREMENT FUND 44919 |
| CAPITAL BANK AND TRUST COMPANY AMERICAN FUNDS 2035 TARGET DATE RETIREMENT FUND 75040 |
| CAPITAL BANK AND TRUST COMPANY AMERICAN FUNDS 2040 TARGET DATE RETIREMENT FUND 14035 |
| CAPITAL BANK AND TRUST COMPANY AMERICAN FUNDS 2045 TARGET DATE RETIREMENT FUND 10420 |
| CAPITAL BANK AND TRUST COMPANY AMERICAN FUNDS 2050 TARGET DATE RETIREMENT FUND 211321 |
| CAPITAL BANK AND TRUST COMPANY INTERNATIONAL GROWTH AND INCOME FUND 30745 |
| CAPITAL BANK AND TRUST COMPANY AMERICAN FUNDS 2055 TARGET DATE RETIREMENT FUND |
| CAPITAL BANK AND TRUST COMPANY AMERICAN FUNDS 2025 TARGET DATE RETIREMENT FUND 1158 |
| CAPITAL BANK AND TRUST COMPANY AMERICAN FUNDS 2030 TARGET DATE RETIREMENT FUND 22106 |
| CAPITAL BANK AND TRUST COMPANY AMERICAN FUNDS 2060 TARGET DATE RETIREMENT FUND 2355 |
| CAPITAL BANK AND TRUST COMPANY SMERICAN FUNDS 2065 TARGET DATE RETIREMENT FUND 22967 |
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 CARGO PARTNER NETWORK 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
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