DELTA 401(K) RETIREMENT PLAN Investment Options
Available Funds in DELTA 401(K) RETIREMENT PLAN
Below is the lineup of investment options available to participants in DELTA 401(K) RETIREMENT 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: 367
| Investment Option List |
|---|
| Notes receivable from participants Various notes receivable from participants — |
| INSTITUTIONAL DIVIDEND INVEST STE |
| INSTITUTIONAL FLOATING RATE Y STE |
| INSTITUTIONAL GROWTH INVT S STE |
| INSTITUTIONAL CHINA CL A STE |
| INSTITUTIONAL INVT CL STE |
| INSTITUTIONAL BOND FD CL A STE |
| INSTITUTIONAL FD A STE |
| INSTITUTIONAL INVT STE |
| INSTITUTIONAL CL STE |
| INSTITUTIONAL STE |
| INSTITUTIONAL CL A STE |
| INSTITUTIONAL INV CL STE |
| INSTITUTIONAL INC FD CL A STE |
| INSTITUTIONAL FRANCHISE FD CL STE |
| INSTITUTIONAL WEIGHTED S&P 500 Y STE (VADDX) |
| INSTITUTIONAL WEIGHTED S&P 500 A STE (VADDX) |
| INSTITUTIONAL MLP INC A STE |
| INSTITUTIONAL MLP ALPHA PLUS A STE (MLPLX) |
| INSTITUTIONAL MLP ALPHA A STE (MLPAX) |
| INSTITUTIONAL OPPORTUNITIES CL Y STE |
| INSTITUTIONAL OPPORTUNITIES FD A STE |
| INSTITUTIONAL CL Y STE |
| INSTITUTIONAL MINERALS A STE |
| INSTITUTIONAL MARKETS A STE |
| INSTITUTIONAL MID CAP GROWTH Y STE (VMGIX) |
| INSTITUTIONAL MID CAP GROWTH A STE (VMGIX) |
| FIDELITY INVESTMENTS 60 $0 INVESCO DEVELOPING 11 GREENWAY PLAZA |
| INSTITUTIONAL MARKETS R STE |
| INSTITUTIONAL REAL RETURN FD I STE |
| INSTITUTIONAL N STE |
| INSTITUTIONAL GRWTH CL N STE |
| INSTITUTIONAL VALUE CL N STE |
| INSTITUTIONAL FOCUSED I STE |
| INSTITUTIONAL FOCUSED N STE |
| INSTITUTIONAL INTERNL SMCAP N STE |
| INSTITUTIONAL CAP GRTH N STE |
| INSTITUTIONAL FD N STE |
| INSTITUTIONAL PACIFIC FD N STE |
| INSTITUTIONAL GROWTH FD STE |
| INSTITUTIONAL CAP VALUE CL N STE |
| INSTITUTIONAL SMCAP VALUE CL N STE |
| INSTITUTIONAL SMMID CAP VALUE C STE |
| OPERATIONS COMPANY, US |
| INSTITUTIONAL FD IN STE |
| INSTITUTIONAL INVT |
| INSTITUTIONAL RETURN INVT STE |
| INSTITUTIONAL OPPORTUNITY INVESTO DR STE |
| INSTITUTIONAL BULLION STRAT IN STE |
| INSTITUTIONAL TACTICAL INVS STE |
| INSTITUTIONAL GROUND FD INVST STE |
| INSTITUTIONAL QUANTIFIED STF I STE (QSTAX) |
| INSTITUTIONAL ALTERNATIVES FD STE |
| INSTITUTIONAL TRUST CL A SUITE |
| INSTITUTIONAL SERVICES FD CL A WAY STE |
| INSTITUTIONAL |
| INSTITUTIONAL SECURITIES FD STE |
| INSTITUTIONAL SM CAP Y STE |
| INSTITUTIONAL MID CAP A STE |
| INSTITUTIONAL COMPANY A STE |
| INSTITUTIONAL OPPORTUNITIES A STE |
| INSTITUTIONAL WORLD INNOVATORS (WAGTX) |
| FIDELITY INVESTMENTS 60 $0 AMERICAN AMCAP CL A 3500 WISEMAN BLVD |
| INSTITUTIONAL STEPHENS SM CAP BLVD STE |
| INSTITUTIONAL CAP INVT BLVD STE |
| FIDELITY INVESTMENTS 60 $0 AMERICAN BALANCED 3500 WISEMAN BLVD |
| INSTITUTIONAL MNGD FUTR STRA BLVD STE |
| INSTITUTIONAL WORLD INC IN BLVD STE |
| INSTITUTIONAL TRANS INNOVTN I BLVD STE |
| INSTITUTIONAL SMID CAP EQ INV BLVD STE |
| OPERATIONS COMPANY, GROWTH US |
| FIDELITY INVESTMENTS 60 $0 AMERICAN HIGH 3500 WISEMAN BLVD |
| FIDELITY INVESTMENTS 60 $0 AMERICAN MUTUAL 3500 WISEMAN BLVD |
| INSTITUTIONAL CROSSING |
| INSTITUTIONAL RATE INC FD |
| INSTITUTIONAL FD ADVISOR STE |
| INSTITUTIONAL WORLD FD ADVISOR STE (TWDAX) |
| INSTITUTIONAL WORLD FD INVESTO STE |
| INSTITUTIONAL ADVISOR STE |
| INSTITUTIONAL VALUE STE |
| INSTITUTIONAL EQUITY FD INVT STE |
| INSTITUTIONAL OPPORTUNITIES INV STE (BROBX) |
| INSTITUTIONAL EMERG MRKTS INV STE |
| INSTITUTIONAL VALUE FD INVT SHARES STE |
| INSTITUTIONAL ALLOCATION FD STE |
| INSTITUTIONAL EQTY ALLOCATIO STE |
| INSTITUTIONAL CAP FD CL A STE |
| OPERATIONS COMPANY, RETAIL US |
| OPERATIONS COMPANY, ITIES C US |
| OPERATIONS COMPANY, ITIES I US |
| OPERATIONS COMPANY, STRATEGY US |
| FIDELITY INVESTMENTS 60 $0 AMERICAN BOND FD OF 3500 WISEMAN BLVD |
| INSTITUTIONAL CAP VALUE STE |
| INSTITUTIONAL VALUE FD CL N STE |
| INSTITUTIONAL SM COMPANY I |
| FIDELITY INVESTMENTS 60 $0 AMERICAN CAPT INC 3500 WISEMAN BLVD |
| FIDELITY INVESTMENTS 60 $0 AMERICAN CAPT WORLD 3500 WISEMAN BLVD |
| OPERATIONS COMPANY, INSTL US |
| INSTITUTIONAL INFRASTRUCTURE INV |
| INSTITUTIONAL ROAD STE |
| INSTITUTIONAL THERMOSTAT CL A |
| INSTITUTIONAL MRTKS BOND FD CL |
| INSTITUTIONAL CHINA CL A |
| INSTITUTIONAL INC FD CL I |
| INSTITUTIONAL INC CL A |
| INSTITUTIONAL INC FD CLAS |
| INSTITUTIONAL FD CL A |
| INSTITUTIONAL DIVIDEND INC |
| INSTITUTIONAL CAP GROWTH CL A (SGRIX) |
| INSTITUTIONAL FD CL I |
| INSTITUTIONAL TECHGROWTH CL A |
| INSTITUTIONAL ESTATE EQUITY CL A (CREEX) |
| INSTITUTIONAL GROWTH FD CL A |
| INSTITUTIONAL GROWTH CL A |
| INSTITUTIONAL CAP GROWTH CLAS (ELCRX) |
| INSTITUTIONAL MARKETS CL A |
| INSTITUTIONAL LARG CAP EQUITY CLA (BMGKX) |
| INSTITUTIONAL GLOBAL TECHNOLGY |
| INSTITUTIONAL TECH AND INFO CL |
| INSTITUTIONAL CAP VALUE CL |
| INSTITUTIONAL INC FD CL I2 |
| INSTITUTIONAL VALUE S |
| INSTITUTIONAL SM CAP GROWT |
| INSTITUTIONAL IMPACT BOND FD CRA STE |
| INSTITUTIONAL IMPACT BOND FD RETA STE |
| INSTITUTIONAL INVT CL |
| INSTITUTIONAL MARKETS FD CL I SUITE |
| OPERATIONS COMPANY, RET US |
| INSTITUTIONAL EQUITY A STE |
| INSTITUTIONAL VENTURE CL A STE |
| INSTITUTIONAL A STE |
| INSTITUTIONAL AND INC CL STE |
| OPERATIONS COMPANY, |
| FIDELITY INVESTMENTS 60 $0 DOUBLELINE SHILLER 777 EAST WISCONSIN |
| FIDELITY INVESTMENTS 60 $0 EATON VANCE GREATER TWO INTERNATIONAL (EVCGX) |
| FIDELITY INVESTMENTS 60 $0 EATON VANCE ATLANTA TWO INTERNATIONAL (EILAX) |
| FIDELITY INVESTMENTS 60 $0 EATON VANCE WLD TWO INTERNATIONAL (EILAX) |
| FIDELITY INVESTMENTS 60 $0 EATON VANCE TWO INTERNATIONAL (EILAX) |
| FIDELITY INVESTMENTS 60 $0 EATON VANCE GL TWO INTERNATIONAL (EILAX) |
| FIDELITY INVESTMENTS 60 $0 EATON VANCE EMRG TWO INTERNATIONAL (EILAX) |
| FIDELITY INVESTMENTS 60 $0 EATON VANCE GLOBAL TWO INTERNATIONAL |
| FIDELITY INVESTMENTS 60 $0 EATON VANCE TAX TWO INTERNATIONAL |
| FIDELITY INVESTMENTS 60 $0 EATON VANCE EMERG TWO INTERNATIONAL (EILAX) |
| FIDELITY INVESTMENTS 60 $0 AMERICAN 3500 WISEMAN BLVD |
| OPERATIONS COMPANY, CL A US |
| OPERATIONS COMPANY, FD CL US |
| INSTITUTIONAL FUTRSTRATEGY FD A APT |
| INSTITUTIONAL GROWTH & INC INST (QIMGX) |
| INSTITUTIONAL PARTNER SM CAP INVES STE |
| INSTITUTIONAL PARTNERFD INVT STE |
| INSTITUTIONAL TECHNOLOGYOPPORTUN STE |
| INSTITUTIONAL INSTITUTIONAL UNIT |
| FIDELITY INVESTMENTS 60 $0 FRANKLIN DYNATECH 100 FOUNTAIN (FKDNX) |
| FIDELITY INVESTMENTS 60 $0 FRANKLIN INC CL A1 100 FOUNTAIN |
| FIDELITY INVESTMENTS 60 $0 FRANKLIN UTILITIES CL 100 FOUNTAIN |
| FIDELITY INVESTMENTS 60 $0 FRANKLIN INC CL A 100 FOUNTAIN |
| FIDELITY INVESTMENTS 60 $0 FRANKLIN INTL 100 FOUNTAIN |
| FIDELITY INVESTMENTS 60 $0 FRANKLIN GOLD AND 100 FOUNTAIN |
| FIDELITY INVESTMENTS 60 $0 FRANKLIN HIGH INCFD 100 FOUNTAIN |
| FIDELITY INVESTMENTS 60 $0 FRANKLIN HIGH INC CL 100 FOUNTAIN |
| FIDELITY INVESTMENTS 60 $0 FRANKLIN 100 FOUNTAIN |
| FIDELITY INVESTMENTS 60 $0 FRANKLIN FLOATING 100 FOUNTAIN |
| FIDELITY INVESTMENTS 60 $0 FRANKLIN RISING 100 FOUNTAIN |
| FIDELITY INVESTMENTS 60 $0 FRANKLIN REAL 100 FOUNTAIN |
| FIDELITY INVESTMENTS 60 $0 FRANKLIN GROWTH 100 FOUNTAIN |
| FIDELITY INVESTMENTS 60 $0 FRANKLIN BIOTECH 100 FOUNTAIN |
| FIDELITY INVESTMENTS 60 $0 FRANKLIN SM CAP 100 FOUNTAIN |
| FIDELITY INVESTMENTS 60 $0 AMERICAN FDAMENTAL 3500 WISEMAN BLVD |
| INSTITUTIONAL RETAIL SHARES BLVD STE |
| INSTITUTIONAL EQUITY ADVISOR (AUIYX) |
| INSTITUTIONAL GROWTH |
| INSTITUTIONAL CORE |
| FIDELITY INVESTMENTS 60 $0 AMERICAN GROWTH 3500 WISEMAN BLVD |
| INSTITUTIONAL RETURN BOND FD INS STE |
| INSTITUTIONAL OPPORTUNTITIES INS STE |
| INSTITUTIONAL RETURN BOND CL P STE |
| INSTITUTIONAL ASIA FOCUS (IASMX) |
| INSTITUTIONAL CHINA & HONG KONG (ICHKX) |
| INSTITUTIONAL GLOBAL INNOVATORS (IWIRX) |
| INSTITUTIONAL GLOBAL ENERGY (UMESX) |
| INSTITUTIONAL HEALTHCARE FD CL A STE |
| INSTITUTIONAL APPRECIATION CL A STE |
| INSTITUTIONAL EQUITYCL A STE |
| INSTITUTIONAL RATE FD CL I STE |
| INSTITUTIONAL FD CL I STE |
| INSTITUTIONAL BALANCED INC CL I STE |
| INSTITUTIONAL TAX AWARE BOND C STE (STWTX) |
| INSTITUTIONAL RETURN INVT CL STE |
| INSTITUTIONAL CORNERSTONEGROWTH STE |
| INSTITUTIONAL CORNERSTONEMID CAP STE |
| INSTITUTIONAL CORNERSTONE MID CAP STE (HFMDX) |
| INSTITUTIONAL FINANCIAL INVSTR STE |
| INSTITUTIONAL INVSTCL STE |
| INSTITUTIONAL SMCAP INVT CL STE |
| INSTITUTIONAL ARBITRAGE CL Z STE |
| FIDELITY INVESTMENTS 60 $0 AMERICAN INC FD OF 3500 WISEMAN BLVD |
| OPERATIONS COMPANY, AMERICA US |
| INSTITUTIONAL CLAS PKWY. STE |
| FIDELITY INVESTMENTS 60 $0 AMERICAN INVESTMNT 3500 WISEMAN BLVD |
| INSTITUTIONAL GROWTH FD INVEST STE |
| INSTITUTIONAL GROWTH FD INSTL STE |
| FIDELITY INVESTMENTS 60 $0 IRONCLAD MANAGED 2220 E. ROUTE 66 STE |
| INSTITUTIONAL RISK FD |
| INSTITUTIONAL GOLDEN RAINBOW FD STE |
| INSTITUTIONAL CAP STE |
| FIDELITY INVESTMENTS 60 $0 JANUS HENDERSON 151 DETROIT ST. |
| INSTITUTIONAL SHORT FD STE |
| OPERATIONS COMPANY, CL US |
| INSTITUTIONAL GROWTH FD IN STE |
| INSTITUTIONAL DIVIDEND FD CENTER STE |
| INSTITUTIONAL MRKTSSM COMPANIES CENTER STE |
| INSTITUTIONAL FD INVT CL CENTER STE |
| INSTITUTIONAL SMCOMPANIES INVES CENTER STE |
| INSTITUTIONAL TIGER FD CENTER STE |
| INSTITUTIONAL GROWTH & INC FD CENTER STE |
| INSTITUTIONAL CENTER STE |
| INSTITUTIONAL INSTITUTIONAL CENTER STE |
| INSTITUTIONAL INNOVATORS FD INVST CENTER STE |
| INSTITUTIONAL RETURN BOND CL M |
| INSTITUTIONAL RETURN BOND CL (FTRGX) |
| INSTITUTIONAL UNCONSTRBOND M |
| INSTITUTIONAL YLDBOND CL M |
| OPERATIONS COMPANY, A US |
| FIDELITY INVESTMENTS 60 $0 FRANKLIN MUTUAL 100 FOUNTAIN |
| INSTITUTIONAL INDEX CL A STE |
| INSTITUTIONAL STRAT INC INSTL S STE |
| INSTITUTIONAL QUALITY EQUITY EA STE |
| FIDELITY INVESTMENTS 60 $0 NEEDHAM AGGRESSIVE 445 PARK AVE 15TH FL |
| FIDELITY INVESTMENTS 60 $0 NEUBERGER BERMAN 1290 AVE OF THE |
| FIDELITY INVESTMENTS 60 $0 AMERICAN NEW 3500 WISEMAN BLVD |
| FIDELITY INVESTMENTS 60 $0 AMERICAN NEW WORLD 3500 WISEMAN BLVD |
| INSTITUTIONAL PLUS BOND FD CL |
| INSTITUTIONAL TACTICAL DEFENSIVE I (ETFRX) |
| INSTITUTIONAL TACTICAL DEFENSIVE A (ETFRX) |
| INSTITUTIONAL TACTICAL GROWTH CL I (ETFOX) |
| INSTITUTIONAL DYNAMIC SM CAP I |
| INSTITUTIONAL FD CL A STE |
| INSTITUTIONAL STRATEGY CL |
| INSTITUTIONAL INDEX STRATEGY CL |
| INSTITUTIONAL GROWTH STRATEGY (FSAYX) |
| INSTITUTIONAL TACTICAGGRESSIVE |
| INSTITUTIONAL DIVERSIFIER STRAT R |
| INSTITUTIONAL STRATEGY FD R |
| INSTITUTIONAL TACTICMODERATE |
| INSTITUTIONAL STRATEGY FD |
| INSTITUTIONAL FACTRROTATION |
| INSTITUTIONAL BALANCED STRATE |
| INSTITUTIONAL AMCORE PLUS BD ST |
| INSTITUTIONAL STRATEGY CL R |
| INSTITUTIONAL FOCUSED STRATEGY R (FDSAX) |
| INSTITUTIONAL CYCLE STRAT R |
| INSTITUTIONAL EQ STRATEGY FD |
| INSTITUTIONAL GROWTH STRAT CL (GOIBX) |
| INSTITUTIONAL CONS INC STRAT CL |
| INSTITUTIONAL SELECT |
| INSTITUTIONAL TECHNOLOGY FD |
| INSTITUTIONAL SCIENCES FD |
| INSTITUTIONAL GROWTH FD |
| INSTITUTIONAL OPPORTUNITIES INV STE. (BROBX) |
| INSTITUTIONAL FD STE. |
| INSTITUTIONAL OPPORTUNITIES STE. |
| INSTITUTIONAL OPPORTUNITIES FD STE. |
| INSTITUTIONAL OPPORTUNITIES INVSTR STE. |
| INSTITUTIONAL EQUITY INSTITUTIONA TOWER STE (PRILX) |
| INSTITUTIONAL EQUITY INVT TOWER STE |
| INSTITUTIONAL TOWER STE |
| INSTITUTIONAL EQUITY INSTL TOWER STE |
| INSTITUTIONAL ENVIRON MARKETS |
| INSTITUTIONAL ENVIRONMARKETS |
| INSTITUTIONAL CL |
| INSTITUTIONAL OPPORTUNITIES FD DR STE |
| OPERATIONS COMPANY, FD US |
| INSTITUTIONAL GROWTH FD WAY STE |
| INSTITUTIONAL AGGRESSIVE GRWTH F WAY STE |
| INSTITUTIONAL PREF CAPT SEC IN |
| INSTITUTIONAL INSTL |
| INSTITUTIONAL SEC FD CL A |
| INSTITUTIONAL CL A |
| INSTITUTIONAL INC A |
| INSTITUTIONAL DIVIDEND IN |
| INSTITUTIONAL CAP VALUE INVS CHESTER PIKE |
| INSTITUTIONAL CAP VALUE II INV CHESTER PIKE (TLVEX) |
| OPERATIONS COMPANY, I US |
| INSTITUTIONAL LINE STRATEGIC IN ST STE |
| INSTITUTIONAL METALS INVT CL STE |
| INSTITUTIONAL X STRATEGY CL STE |
| INSTITUTIONAL STRATEGY INV STE (FUTRX) |
| INSTITUTIONAL STRATEGY CL H STE |
| INSTITUTIONAL 2X STRATEGY C STE |
| INSTITUTIONAL BOND1.2X STRATEGY I STE |
| INSTITUTIONAL TRANSPORTATION INVT STE |
| INSTITUTIONAL SERVICES INVT C STE |
| INSTITUTIONAL PRODUCTS INVT CL STE |
| INSTITUTIONAL BIOTECHNOLOGY INV CL STE |
| INSTITUTIONAL MATERIALS INV CL STE |
| INSTITUTIONAL PURE VALUE H C STE (RYAZX) |
| INSTITUTIONAL GROWTH H CL STE |
| INSTITUTIONAL VALUE H CL STE |
| INSTITUTIONAL 400PURE GROWTH CLA STE |
| INSTITUTIONAL RUSSEL2000 2X STRAT C STE |
| INSTITUTIONAL AVERAGE FD CL H STE |
| INSTITUTIONAL REBAL NASDAQ 100 2X S STE (RMQAX) |
| INSTITUTIONAL MRKTS 2X STRATEGY H STE |
| INSTITUTIONAL TRAIL STE |
| INSTITUTIONAL DIVIDEND FD TRAIL STE |
| OPERATIONS COMPANY, GRWTH US |
| INSTITUTIONAL DEFINED RISK INS STE (OASDX) |
| FIDELITY INVESTMENTS 60 $0 AMERICAN SHORT TERM 3500 WISEMAN BLVD |
| FIDELITY INVESTMENTS 60 $0 AMERICAN SM CAP 3500 WISEMAN BLVD |
| INSTITUTIONAL SHARE CL (MASIX) |
| INSTITUTIONAL CL SHARES |
| INSTITUTIONAL R |
| FIDELITY INVESTMENTS 60 $0 TEMPLETON WORLD CL 100 FOUNTAIN |
| FIDELITY INVESTMENTS 60 $0 TEMPLETON FOREIGN CL 100 FOUNTAIN |
| FIDELITY INVESTMENTS 60 $0 TEMPLETON GROWTH CL 100 FOUNTAIN |
| FIDELITY INVESTMENTS 60 $0 TEMPLETON GLOBAL 100 FOUNTAIN |
| FIDELITY INVESTMENTS 60 $0 TEMPLETON GLOBAL SM 100 FOUNTAIN |
| FIDELITY INVESTMENTS 60 $0 TOCQUEVILLE FD 40 W 57TH ST 19TH FL |
| INSTITUTIONAL CL Y |
| INSTITUTIONAL FD CL Z |
| INSTITUTIONAL CAP SEL GRWTH Z |
| INSTITUTIONAL CAP SELECT GROWTH (SEEGX) |
| OPERATIONS COMPANY, ESTATE INV US |
| INSTITUTIONAL COMPANY FD INSTL |
| INSTITUTIONAL MINERALS FD |
| INSTITUTIONAL METALS FD |
| INSTITUTIONAL ALLOCATION INVESTO |
| INSTITUTIONAL FOCUSED INVT |
| INSTITUTIONAL FOCUSED FD CL |
| INSTITUTIONAL CMPNIES FOCUSED I |
| INSTITUTIONAL CAPOPPORTUNITIES I |
| INSTITUTIONAL GROWTH INVTS |
| INSTITUTIONAL FDM SM CAP VAL I (AWGVX) |
| INSTITUTIONAL ESTATE FD STE |
| INSTITUTIONAL ASSETS CL I STE |
| INSTITUTIONAL CORE FD CL |
| INSTITUTIONAL GROWTH FD CL |
| INSTITUTIONAL VALUE CL I |
| INSTITUTIONAL PHELPSGLBL REAL EST S |
| INSTITUTIONAL FLOATING RATE CL |
| INSTITUTIONAL PHELPSGLOBAL INFRA |
| INSTITUTIONAL MID CAP A (SMCDX) |
| INSTITUTIONAL MANAG FUTURE ST |
| INSTITUTIONAL INNOVATIVE GR ST |
| INSTITUTIONAL CAP GROWTH STOCK (STTAX) |
| INSTITUTIONAL CAP VALUE EQUITY (SMVTX) |
| INSTITUTIONAL RATE HIGH INCO |
| INSTITUTIONAL VALUE A |
| INSTITUTIONAL CAP GROWTH FD (SGRIX) |
| INSTITUTIONAL A |
| INSTITUTIONAL SCIENCES FD A |
| INSTITUTIONAL SMCAP FD A |
| INSTITUTIONAL MKTSOPPORTUNITIES F |
| INSTITUTIONAL FOCUSED GROWTH A (PGFIX) |
| INSTITUTIONAL WATER FD A |
| INSTITUTIONAL SHRTDURATION HIGH I |
| INSTITUTIONAL SM CAP FD |
| INSTITUTIONAL US TREASURY |
| INSTITUTIONAL VALUE FD |
| INSTITUTIONAL MARKETS SELECT FUN (NOEMX) |
| INSTITUTIONAL INDIA FD |
| INSTITUTIONAL OPPORTUNITIES RETAIL (FLFGX) |
| INSTITUTIONAL MARKETS SM CAP (DEMSX) |
| FIDELITY INVESTMENTS 60 $0 AMERICAN WASHNTN 3500 WISEMAN BLVD |
| OPERATIONS COMPANY, INVT US |
| INSTITUTIONAL INNOVATION FD C A0103 |
| INSTITUTIONAL BOND FD A A0103 |
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 DELTA 401(K) RETIREMENT 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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Puzzled on what to invest?
- We ask a few questions to decide your personal return and risk expectations
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- We monitor and send timely rebalance emails on what investment funds to buy and sell
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