CSPI 403B PLAN Investment Options

Available Funds in CSPI 403B PLAN

Below is the lineup of investment options available to participants in CSPI 403B 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.

Total Available Funds: 94
Investment Description
Fidelity Management Trust Company FID FIDELITY FUND N/A
Fidelity Management Trust Company FID TREND N/A
Fidelity Management Trust Company FID SEL SEMICONDUCT N/A
Fidelity Management Trust Company FID SEL CONS STAPLES N/A
Fidelity Management Trust Company FID VALUE STRAT N/A
Fidelity Management Trust Company FID GNMA N/A
Fidelity Management Trust Company FID MAGELLAN N/A
Fidelity Management Trust Company FID CONTRAFUND N/A
Fidelity Management Trust Company FID EQUITY INC N/A
Fidelity Management Trust Company FID GROWTH COMPANY N/A
Fidelity Management Trust Company FID INVST GR BD N/A
Fidelity Management Trust Company FID INTERMED BOND N/A
Fidelity Management Trust Company FID CAPITAL & INCOME N/A
Fidelity Management Trust Company FID VALUE N/A
Fidelity Management Trust Company FID SEL TECHNOLOGY N/A
Fidelity Management Trust Company FID OTC PORTFOLIO N/A
Fidelity Management Trust Company FID OVERSEAS N/A
Fidelity Management Trust Company FID LEVERGD CO STK N/A
Fidelity Management Trust Company FID EUROPE N/A
Fidelity Management Trust Company FID BALANCED N/A
Fidelity Management Trust Company FID INTL DISCOVERY N/A
Fidelity Management Trust Company FID CAPITAL APPREC N/A
Fidelity Management Trust Company FID CONVERTIBLE SEC N/A
Fidelity Management Trust Company FID BLUE CHIP GR N/A
Fidelity Management Trust Company FID ASSET MGR 50% N/A
Fidelity Management Trust Company FID DISCIPLND EQTY N/A
Fidelity Management Trust Company FID LOW PRICED STK N/A
Fidelity Management Trust Company FID EQ DIV INCOME N/A
Fidelity Management Trust Company FID EMERGING MKTS N/A
Fidelity Management Trust Company FID DIVERSIFD INTL N/A
Fidelity Management Trust Company FID ASSET MGR 20% N/A
Fidelity Management Trust Company FID DIVIDEND GR N/A
Fidelity Management Trust Company FID STK SEL SM CAP N/A
Fidelity Management Trust Company FID MID CAP STOCK N/A
Fidelity Management Trust Company FID SMALL CAP STOCK N/A
Fidelity Management Trust Company FID ASSET MGR 85% N/A
Fidelity Management Trust Company FID SEL MED TECH&DV N/A
Fidelity Management Trust Company FID MULTI ASSET IDX N/A
Fidelity Management Trust Company FID NATURAL RES N/A
Fidelity Management Trust Company FID SEL INDUSTRIALS N/A
Fidelity Management Trust Company FID MID CAP VALUE N/A
Fidelity Management Trust Company FID INTL SMALL CAP N/A
Fidelity Management Trust Company FID VALUE DISCOV N/A
Fidelity Management Trust Company FID BLUE CHIP VALUE N/A
Fidelity Management Trust Company FID NASDAQ COMP INDX N/A
Fidelity Management Trust Company FID STRAT DIV & INC N/A
Fidelity Management Trust Company FID SMALL CAP GROWTH N/A
Fidelity Management Trust Company FID SMALL CAP VALUE N/A
Fidelity Management Trust Company FID ASSET MGR 40% N/A
Fidelity Management Trust Company FID US BOND IDX N/A
Fidelity Management Trust Company FID 500 INDEX N/A
Fidelity Management Trust Company FID GLB EX US IDX N/A
Fidelity Management Trust Company FID MID CAP IDX N/A
Fidelity Management Trust Company FID SM CAP IDX N/A
Fidelity Management Trust Company FID INTL INDEX N/A
Fidelity Management Trust Company FID EXTD MKT IDX N/A
Fidelity Management Trust Company FID EMERG MKTS DISC N/A
Fidelity Management Trust Company FID GLOBAL EQ INCOME N/A
Fidelity Management Trust Company FID FDM IDX 2050 IPR N/A
Fidelity Management Trust Company FID FDM IDX 2055 IPR N/A
Fidelity Management Trust Company FID FREEDOM 2025 K N/A
Fidelity Management Trust Company FID FREEDOM 2030 K N/A
Fidelity Management Trust Company FID FREEDOM 2035 K N/A
Fidelity Management Trust Company FID FREEDOM 2040 K N/A
Fidelity Management Trust Company FID FREEDOM 2045 K N/A
Fidelity Management Trust Company FID FREEDOM 2050 K N/A
Fidelity Management Trust Company FID FREEDOM 2055 K N/A
Fidelity Management Trust Company FID FREEDOM 2060 K N/A
Fidelity Management Trust Company FID LT TR BD IDX N/A
Fidelity Management Trust Company FID STRATEGIC INCOME N/A
Fidelity Management Trust Company FID FREEDOM 2065 K N/A
One America Vanguard Trgt Retire 2065 Inv N/A
One America Vanguard Trgt Retire 2020 Inv N/A
One America Vanguard Trgt Retire 2025 Inv N/A
One America Vanguard Trgt Retire 2030 Inv N/A
One America Vanguard Trgt Retire 2035 Inv N/A
One America Vanguard Trgt Retire 2045 Inv N/A
One America Vanguard Trgt Retire 2050 Inv N/A
One America Vanguard Trgt Retire 2055 Inv N/A
One America Vanguard Trgt Retire 2060 Inv N/A
One America Amerfds New World R6 N/A
One America Vanguard Explorer Adm N/A
One America Fidelity 500 Index N/A
One America Fidelity SM Cap Index N/A
One America Fidelity Midcap Idx N/A
One America Vangauard Ftse Social Index Adm N/A
One America Fidelity Sustainability BD Idx N/A
One America Fidelity Intl Sustain Idx N/A
One America Dodge & Cox Stock X N/A
One America Fidelity Contrafund K6 N/A
One America Dfa Large Cap International I N/A
LINCOLN LINCOLN FIXED ACCOUNT
LINCOLN LINCOLN SEPARATE ACCOUNT
FIDELITY SEPARATE ACCOUNT

Click to view the investment model portfolios of this plan ►

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 CSPI 403B 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% … …
Data as of 05/01/2026, Common starting date is 12/31/2000

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