FCL BUILDERS, LLC 401(K) PLAN Investment Options
Available Funds in FCL BUILDERS, LLC 401(K) PLAN
Below is the lineup of investment options available to participants in FCL BUILDERS, LLC 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 |
|---|
| RBC RBC Emerging Markets Equity Fund R6 |
| JPMorgan Government Bond Fund R6 |
| Federated Hermes Institutional High Yield Bond Fund R6 |
| T. Rowe Price Dividend Growth I Fund |
| Dimensional Fund Advisors DFA International Value I Fund |
| Invesco Gold & Special Minerals Fund R6 |
| American Century Mid Cap Value Fund R6 |
| Dimensional Fund Advisors DFA Global Equity Portfolio Institutional Fund |
| American Funds American Balanced Fund R6 |
| Dimensional Fund Advisors DFA International Small Company I Fund |
| Massachusetts Financial Services MFS Mid Cap Growth Fund R6 |
| Allspring Allspring Special Small Cap Value Fund R6 |
| John Hancock Bond Fund Class R6 |
| Fidelity Investments Fidelity OTC Portfolio |
| Fidelity Investments Fidelity NASDAQ Composite |
| Fidelity Investments Fidelity U.S. Bond |
| Fidelity Investments Fidelity |
| Fidelity Investments Fidelity Global ex U.S. |
| Fidelity Investments Fidelity Mid Cap |
| Fidelity Investments Fidelity Small Cap |
| Fidelity Investments Fidelity Inflation-Protected Bond |
| Fidelity Investments Fidelity Freedom Index Income Institutional Premium Fund |
| Fidelity Investments Fidelity Freedom Index 2015 Institutional Premium Fund |
| Fidelity Investments Fidelity Freedom Index 2020 Institutional Premium Fund |
| Fidelity Investments Fidelity Freedom Index 2025 Institutional Premium Fund |
| Fidelity Investments Fidelity Freedom Index 2030 Institutional Premium Fund |
| Fidelity Investments Fidelity Freedom Index 2035 Institutional Premium Fund |
| Fidelity Investments Fidelity Freedom Index 2040 Institutional Premium Fund |
| Fidelity Investments Fidelity Freedom Index 2045 Institutional Premium Fund |
| Fidelity Investments Fidelity Freedom Index 2050 Institutional Premium Fund |
| Fidelity Investments Fidelity Freedom Index 2055 Institutional Premium Fund |
| Fidelity Investments Fidelity Freedom Index 2060 Institutional Premium Fund |
| Fidelity Investments Fidelity Blue Chip Growth K6 Fund |
| Fidelity Investments Fidelity International Capital Appreciation K6 Fund |
| Fidelity Investments Fidelity Mid Cap Value |
| Fidelity Investments Fidelity Freedom Index 2065 Institutional Premium Fund |
| Fidelity Investments Fidelity Contrafund |
| Fidelity Investments Fidelity Contrafund II |
| Fidelity Investments Fidelity Blue Chip Growth |
| Fidelity Investments Fidelity Wise Origin Bitcoin Fund |
| Abbvie Abbvie Inc Com |
| Cabot Cabot Oil & Gas |
| Coinbase Coinbase Global Inc Com |
| Trane Trane Technologies PLC Com |
| Palo Palo Alto Networks Inc Com |
| Rates from 4.25% to 9.50% – |
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 FCL BUILDERS, LLC 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
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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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