DUCK CREEK TECHNOLOGIES 401(K) PLAN Investment Options
Available Funds in DUCK CREEK TECHNOLOGIES 401(K) PLAN
Below is the lineup of investment options available to participants in DUCK CREEK TECHNOLOGIES 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 Option List |
|---|
| AMERICAN FUND BALANCED R6 MUTUAL FUND (AMRMX) |
| AMERICAN NEW PERSPECTIVES R6 MUTUAL FUND (AMRMX) |
| COLUMBIA OVERSEAS VALUE Y MUTUAL FUND (COSZX) |
| DELAWARE EMERGING MARKETS I MUTUAL FUND (DEMIX) |
| FEDERATED MDT SMALL CAP GROWTH INST MUTUAL FUND (QIMGX) |
| FIDELITY INTL CAP APPRECIATION MUTUAL FUND (FAPCX) |
| FIDELITY REAL ESTATE IND FUND MUTUAL FUND (FRESX) |
| FIDELITY SMALL CAP INDEX FUND MUTUAL FUND (FSISX) |
| LORD ABBETT HIGH YIELD R6 MUTUAL FUND (LAHYX) |
| MASSMUTUAL PREM INFLATION PROTECTED I MUTUAL FUND (MIPSX) |
| MASSMUTUAL SELECT BLUE CHIP GROWTH MUTUAL FUND (MBCSX) |
| MASSMUTUAL SELECT MIDCAP GROWTH EQUITY II MUTUAL FUND (MEFYX) |
| MASSMUTUAL SELECT STRATEGIC BOND I MUTUAL FUND (MBSSX) |
| MFS VALUE R6 MUTUAL FUND (MINIX) |
| MORGAN STANLEY GLOBAL FIXED INCOME OPPS I MUTUAL FUND (MAOIX) |
| T. ROWE PRICE SMALL CAP VALUE I MUTUAL FUND (PRSVX) |
| ALLSPRING SPE MD CP VAL R6 MUTUAL FUND |
| BLACKROCK EQUITY INDEX 1 COMMON COLLECTIVE TRUST FUND |
| BLACKROCK MID CAP EQ IND FUND COMMON COLLECTIVE TRUST FUND (CMGIX) |
| BLACKROCK MSCI ACWI EX US IN COMMON COLLECTIVE TRUST FUND |
| BLACKROCK U. S. DEBT INDEX 1 COMMON COLLECTIVE TRUST FUND |
| T. ROWE PRICE RETIREMENT BALANCE TRUST COMMON COLLECTIVE TRUST FUND (TRRFX) |
| T. ROWE PRICE RETIREMENT 2020 COMMON COLLECTIVE TRUST FUND (TRRBX) |
| T. ROWE PRICE RETIREMENT 2030 COMMON COLLECTIVE TRUST FUND (TRRCX) |
| T. ROWE PRICE RETIREMENT 2040 COMMON COLLECTIVE TRUST FUND (TRRDX) |
| T. ROWE PRICE RETIREMENT 2050 COMMON COLLECTIVE TRUST FUND (TRRMX) |
| T. ROWE PRICE RETIREMENT 2060 COMMON COLLECTIVE TRUST FUND (TRPLX) |
| TRP STABLE VALUE FUND COMMON COLLECTIVE TRUST FUND |
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 DUCK CREEK TECHNOLOGIES 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% | … | … |
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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 …
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