CISCO SYSTEMS,INC. 401(K) PLAN Investment Options

Basic steps for CISCO SYSTEMS,INC. 401(K) PLAN investments

Understand Your Goals and Risk Tolerance: Consider your retirement goals, time horizon, and risk tolerance when choosing investments. Are you saving for retirement, or do you have other financial goals in mind? How comfortable are you with market fluctuations?
Diversification: Diversification is key to managing risk in your investment portfolio. Spread your investments across different asset classes (e.g., stocks, bonds, cash equivalents) and sectors to reduce the impact of market volatility.
Asset Allocation: Determine the appropriate mix of assets for your investment portfolio based on your goals and risk tolerance. This may involve allocating a percentage of your portfolio to stocks, bonds, and cash equivalents.
Review Investment Options: Evaluate the investment options available within CISCO SYSTEMS,INC. 401(K) PLAN (see below for more detailed investment options). Look for funds with low fees, consistent performance, and a track record of meeting their investment objectives.
Consider Target-Date Funds: Target-date funds are a popular option for retirement savings because they automatically adjust the asset allocation over time based on your expected retirement date. These funds can be a convenient option for investors who prefer a hands-off approach to investing.
Monitor and Rebalance: Periodically review your investment portfolio and make adjustments as needed. Rebalance your portfolio to maintain your desired asset allocation and ensure it remains aligned with your goals and risk tolerance.
Seek Professional Advice: If you’re unsure about which investments to choose or how to allocate your assets, consider seeking advice from a financial advisor. They can help you develop an investment strategy tailored to your individual needs and circumstances.

By following these steps, you can set up a 401(k) plan and choose investments that align with your long-term financial goals and objectives. Remember that investing involves risk, and it’s important to carefully consider your options and seek professional advice if needed.

Investment Options

CISCO SYSTEMS,INC. 401(K) PLAN provides a list of funds (mutual funds and collective investment trusts — custom-made mutual funds for the plan):

Total Available Funds: 20

Asset Class

Ticker

Description

Others
Money Market-Taxable	cash	Fidelity Institutional Money Market
Target Date 2000-2010	FFFBX	Fidelity Freedom 2000
Target Date 2000-2010	FFFCX	Fidelity Freedom 2010
Target Date 2016-2020	FFFDX	Fidelity Freedom 2020
Target Date 2026-2030	FFFEX	Fidelity Freedom 2030
Target Date 2036-2040	FFFFX	Fidelity Freedom 2040
Target Date 2046-2050	FFFHX	Fidelity Freedom 2050
Retirement Income	FFFAX	Fidelity Freedom Income
Moderate Allocation	FPURX	Fidelity Puritan Fund

INTERNATIONAL EQUITY
Foreign Large Blend	FIGRX	Fidelity International Discovery Fund
Foreign Large Blend	HAINX	Harbor International Institutional Fund

US EQUITY
MID-CAP BLEND	FLPSX	Fidelity Low Priced stock
LARGE GROWTH	FOCPX	Fidelity OTC Portfolio Fund
LARGE BLEND	CHTVX	Invesco Charter Institutional
LARGE VALUE	MSIVX	Invesco Large Cap Relative Fund
LARGE BLEND	FUSEX	Spartan US Equity Index Advantage Fund
SMALL BLEND	SMVAX	Wells Fargo Advantage Small Cap Value Institutional Fund
Mid-Cap Growth	FMCSX	BGI Extended Equity Market Index Fund

FIXED INCOME
Intermediate-Term Bond	PTTRX	PIMCO Total Return
Intermediate-Term Bond	FTBFX	BGI US Debt Index Fund

Click to view the investment model portfolios of this plan ►

How to invest

Key principles in retirement investing:

Proper asset allocation among stocks and bonds, the two major assets. Proper assess your risk tolerance level based on your age, financial situation, personal emotional level to tolerate up and down, and retirement expectation.
Invest in (ultra) low cost index funds if possible. Don’t get caught up with flashy funds.
Invest for a long term: financial markets are up and down and investment values are subject to fluctuation. However, viewed as business investments, you can be assured that diversified funds (stocks and bonds) have solid business fundamental that eventually will deliver inflation beating returns for stocks.

See Four-Step Guide for 401(k) Retirement Investing.

Click to view the investment model portfolios of this plan ►

Basic asset allocation templates

The following asset allocation templates are based on popular lazy portfolios. These are core or major asset class-based portfolios using ultra-low-cost index funds for each asset class. Once you have decided on your proper risk asset (stocks) allocation, you can utilize these lazy portfolio templates to scale the allocations to your risk allocation level. See Asset Allocation Portfolio Templates for a guide:

The return data shown below all have the same latest date: 05/02/2025.

Name	YTD Return	1Yr AR	3Yr AR	5Yr AR	10Yr AR	15Yr AR	20Yr AR	Inception
Four Core Asset Portfolio	0.68%	8.67%	6.12%	7.91%	6.15%	6.95%	6.74%	6.42%
Five Core Asset Portfolio	0.43%	8.56%	5.96%	7.77%	6.06%	6.85%	6.82%	6.61%
Three Core Asset Portfolio	0.39%	8.60%	6.86%	8.37%	6.51%	7.23%	6.87%	6.34%
Two Core Asset Portfolio	-1.80%	8.93%	7.42%	8.89%	7.57%	8.44%	7.55%	6.83%
Yale Endowment Template	1.31%	9.78%	5.29%	7.83%	6.58%	7.79%	7.54%	7.70%
S&P 500 Index	-2.96%	13.66%	12.59%	16.59%	12.29%	12.91%	10.28%	8.34%

See how your investments are doing

Enter the funds you have chosen from this plan along with their weights, and see how such a portfolio has performed.

Click for portfolio calculator

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