CELONIS, INC. 401(K) PLAN Investment Options
Available Funds in CELONIS, INC. 401(K) PLAN
Below is the lineup of investment options available to participants in CELONIS, 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 |
|---|
| AMC Small Cap Value Fund |
| AMC Small Cap Growth |
| Amana Amana Participation |
| Amana Amana Growth |
| Blackrock Mid Cap Growth Equity |
| Cohen & Steers Inst Realty |
| Columbia Dividend Income |
| Calvert Calvert Bond |
| Calvert US Large Cap |
| Fidelity Freedom Index 2015 Inv |
| Fidelity Freedom Index 2020 Inv |
| Fidelity Freedom Index 2025 Inv |
| Fidelity Freedom Index 2030 Inv |
| Fidelity Freedom Index 2035 Inv |
| Fidelity Freedom Index 2040 Inv |
| Fidelity Freedom Index 2045 Inv |
| Fidelity Freedom Index 2050 Inv |
| Fidelity Freedom Index 2055 Inv |
| Fidelity Freedom Index 2060 Inv |
| Fidelity Freedom Index 2065 Inv |
| Fidelity Freedom Index Income |
| Fidelity Large Cap Growth Index Admiral |
| Fidelity 500 Index |
| Fidelity Mid Cap Index |
| Fidelity International Index |
| JP Morgan International Equity |
| MFS Mid Cap Value Fund |
| Vanguard Emerging Markets Stock Index |
| Vanguard Intermediate Term Bond |
| Vanguard Small Cap Index Admiral |
| Notes Receivable from participants 4.25% – 9.50% through March 2045 |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| CALVERT BOND FUND R6 |
| COLUMBIA DIVIDEND INCOME I3 |
| MFS MID CAP VALUE FUND – R6 |
| FID INTERNATIONAL INDEX |
| FID FREE INDX 2050 IP |
| BLACKROCK MIDCAP GROWTH EQ K |
| VANGUARD INTERMEDIATE TERM BON |
| FID FREE INDX 2025 IP |
| FID FREE INDX 2045 IP |
| FID FREE INDX 2060 IP |
| FID FREE INDX INCOME IP |
| AMANA GROWTH – INSTITUTIONAL |
| FID FREE INDX 2035 IP |
| FID LARGE CAP GROWTH INDEX |
| AMANA PARTICIPATION – INST |
| VANGUARD SMALL CAP INDEX ADMRL |
| CAL US LC CORE RESP INDEX R6 |
| FID FREE INDEX 2065 IP |
| JPMORGAN INTERNATIONAL EQTY R6 |
| FID FREE INDX 2020 IP |
| FID FREE INDX 2055 IP |
| FID 500 IND |
| FID FREE INDX 2030 IP |
| AMC SMALL CAP VALUE FUND – R6 |
| AMC SMALL CAP GROWTH – R6 |
| FID MID CAP INDEX |
| FID FREE INDX 2040 IP |
| FID FREE INDX 2015 IP |
| VANGUARD EMG MKTS STK IDX ADM |
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 CELONIS, 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% | … | … |
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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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