CUSTOMIZED DISTRIBUTION SERVICES, INC. 401(K) PLAN Investment Options

Available Funds in CUSTOMIZED DISTRIBUTION SERVICES, INC. 401(K) PLAN

Below is the lineup of investment options available to participants in CUSTOMIZED DISTRIBUTION SERVICES, 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.

Total Available Funds: 23
Investment Description
Af Europac Growth R6 5,534
Af Trgtdate 2010 R5e 30,000
Af Trgtdate 2015 R5e 2,912
Af Trgtdate 2020 R5e 6,409
Af Trgtdate 2025 R5e 12,149
Af Trgtdate 2030 R5e 24,153
Af Trgtdate 2035 R5e 12,383
Af Trgtdate 2040 R5e 31,947
Af Trgtdate 2045 R5e 14,609
Af Trgtdate 2050 R5e 16,346
Af Trgtdate 2055 R5e 4,985
Af Trgtdate 2060 R5e 2,538
Am Cent Smcap Val R6 3,960
As Spl Mid Cp Val Is 4,505
Fid 500 Index 15,414
Fid Mid Cap Idx 846
Fid Sm Cap Idx 390
Invs Intl Bond Y 349
Jpm Emrg Mkts Eq R6 6,840
Jpm Mid Cap Grth R5 3,640
Mfs Value R3 10,464
Pioneer Fdmtl Grth Y 12,364
Series I Class 0 691

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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 CUSTOMIZED DISTRIBUTION SERVICES, 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% … …
Data as of 05/01/2026, Common starting date is 12/31/2000

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