CUSTOMIZED ENERGY SOLUTIONS, LTD 401(K) PLAN Investment Options
Available Funds in CUSTOMIZED ENERGY SOLUTIONS, LTD 401(K) PLAN
Below is the lineup of investment options available to participants in CUSTOMIZED ENERGY SOLUTIONS, LTD 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 |
|---|
| Charles Schwab Schwab Bank Savings |
| American Funds American Fd Growth Fd of America |
| American Funds American Fd Target Date Ret 2020 |
| American Funds American Fd Target Date Ret 2025 |
| American Funds American Fd Target Date Ret 2030 |
| American Funds American Fd Target Date Ret 2035 |
| American Funds American Fd Target Date Ret 2040 |
| American Funds American Fd Target Date Ret 2045 |
| American Funds American Fd Target Date Ret 2050 |
| American Funds American Fd Target Date Ret 2055 |
| American Funds American Fd Target Date Ret 2060 |
| American Funds American Balanced |
| American Funds Europacific Growth |
| American Funds Inc Fund of America |
| American Funds Invmt Co of America |
| American Funds New Perspective |
| American Funds Smallcap World Fd |
| American Funds Washington Mutual |
| DFA Securities DFA Emerging Markets SM Cap Port Instl |
| DFA Securities DFA Interim Govt Fixed Inc Port Instl |
| Thornburg Thornburg Ltd Term Incm Fd CL r5 |
| Vanguard High-Yield Corporate Fd Admiral Sh |
| Blackrock Ishares MSCI USA Minimum Volatility |
| PIMCO Investment Grad Corp BD ETF |
| Invesco Powershares Preferred ETF |
| Invesco Powershares QQQ Trust |
| Blackrock Ishares MSCI EAFE ETF |
| Blackrock Ishares Russell Top 200 Growth ETF |
| Blackrock Ishares 20+ Year Treasury Bond ETF |
| Blackrock Ishares 7-10 Year Treasury Bond ETF |
| Charles Schwab Schwab Emerging Markets Equity ETF |
| Charles Schwab Schwab International |
| Charles Schwab Schwab Short-Term US Treasury ETF |
| Charles Schwab Schwab US Aggregate Bond ETF |
| Charles Schwab Schwab US Large-Cap Growth ETF |
| SSGA SPDR S&P 500 ETF |
| Vanguard Long Term Cor Bd ETF |
| Vanguard Small Cap Growth ETF |
| Vanguard Small Cap Value ETF |
| Vanguard Value ETF |
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 CUSTOMIZED ENERGY SOLUTIONS, LTD 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% | … | … |
Get Key Insights for This Plan
Join our community and get data-driven insights about CUSTOMIZED ENERGY SOLUTIONS, LTD 401(K) PLAN. See how it compares to peer companies in fees, match generosity, and investment quality as soon as our new ranking reports go live.
Notify Me When Ratings Go LiveExplore More Plan Resources
Recent Articles
- General Dynamics 401(k) Review: 100% Match Up to 6% With $325 Million in Employer Contributions
- June 2026 MyPlanIQ Portfolio Update
- APPLE 401(K) PLAN 401(k) Review: A Match That Rewards Loyalty, Plus Plenty of Investment Options
- Charter Communications 401(k) Review: 100% Match Up to 6% With a 3-Year Vesting Clock
- Walmart 401(k) Plan Review: 100% Match on 6% for 1.9 Million Employees
- GSK 401(K) PLAN Review: 11% Employer Contribution Combines Match Makes It One of the Most Generous
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 …
Portfolio Calculator (Simulator)
Customize Asset Allocation Portfolios
Retirement Calculator
Investment Calculator
Looking for a (forgotten) 401(k)?
Find plan contact info, plan expenses, investment options, rollover your old plan, or learn how to select investments on your 401k plan …
Keep researching CUSTOMIZED ENERGY SOLUTIONS, LTD 401(K) PLAN
Use the links below to move from this plan page into calculators, related retirement articles, and comparable plans in a similar industry or size band. That gives you a faster way to compare match design, fees, investments, and savings strategy in context.
Related Calculators
Related Plans
- MARSH, BERRY, AND COMPANY, LLC 401(K) PROFIT SHARING PLAN (223 participants, $34,498,154)
- AORN 401(K) SAVINGS PLAN (223 participants, $28,165,389)
- ENVIROTRAC LTD. 401K PLAN (223 participants, $24,604,052)
- CONSULTING SERVICES GROUP, LLC 401K PLAN (223 participants, $16,309,262)
- THEA ENTERPRISES LLC 401(K) PROFIT SHARING PLAN & TRUST (223 participants, $13,314,329)