FIREFIGHTERS FIRST 401(K) PLAN Investment Options
Available Funds in FIREFIGHTERS FIRST 401(K) PLAN
Below is the lineup of investment options available to participants in FIREFIGHTERS FIRST 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 |
|---|
| FIDELITY MGMT. TRUST CO. RT NY LIFE AA CL |
| FIDELITY MGMT. TRUST CO. CB INTL GRTH I |
| FIDELITY MGMT. TRUST CO. VICTORY S ESTB VAL I |
| FIDELITY MGMT. TRUST CO. PIM INTL BD US$H I |
| FIDELITY MGMT. TRUST CO. TRP DIV GROWTH |
| FIDELITY MGMT. TRUST CO. COHEN & STEERS RLTY |
| FIDELITY MGMT. TRUST CO. VANG INST TR 2065 |
| FIDELITY MGMT. TRUST CO. CBA LG CAP GR I |
| FIDELITY MGMT. TRUST CO. BLKRK HIGH YLD BD K |
| FIDELITY MGMT. TRUST CO. PIONEER BOND Y |
| FIDELITY MGMT. TRUST CO. VANG VALUE IDX ADM |
| FIDELITY MGMT. TRUST CO. VANG GROWTH IDX ADM |
| FIDELITY MGMT. TRUST CO. BR ADV SM CAP CORE K |
| FIDELITY MGMT. TRUST CO. VANG SM CP IDX ADM |
| FIDELITY MGMT. TRUST CO. VANG MIDCAP IDX ADM |
| FIDELITY MGMT. TRUST CO. VANG MDCPGR IDX ADM |
| FIDELITY MGMT. TRUST CO. AF AMER MUTUAL R6 |
| FIDELITY MGMT. TRUST CO. PRMCP ODY AGGR GRTH |
| FIDELITY MGMT. TRUST CO. J H TRITON N |
| FIDELITY MGMT. TRUST CO. VANG INST TR INCOME |
| FIDELITY MGMT. TRUST CO. VANG INST TR 2020 |
| FIDELITY MGMT. TRUST CO. VANG INST TR 2025 |
| FIDELITY MGMT. TRUST CO. VANG INST TR 2030 |
| FIDELITY MGMT. TRUST CO. VANG INST TR 2035 |
| FIDELITY MGMT. TRUST CO. VANG INST TR 2040 |
| FIDELITY MGMT. TRUST CO. VANG INST TR 2045 |
| FIDELITY MGMT. TRUST CO. VANG INST TR 2050 |
| FIDELITY MGMT. TRUST CO. VANG INST TR 2055 |
| FIDELITY MGMT. TRUST CO. VANG INST TR 2060 |
| FIDELITY MGMT. TRUST CO. HTFD S US MC OP SDR |
| FIDELITY MGMT. TRUST CO. INVS DEVELOP MKT R6 |
| FIDELITY MGMT. TRUST CO. VANG SMCP GR IDX ADM |
| FIDELITY MGMT. TRUST CO. VANG SMCPVL IDX ADM |
| FIDELITY MGMT. TRUST CO. VANG MDCPVAL IDX ADM |
| FIDELITY MGMT. TRUST CO. FID SMALL CAP VALUE |
| FIDELITY MGMT. TRUST CO. FID 500 INDEX |
| FIDELITY MGMT. TRUST CO. BROKERAGELINK |
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 FIREFIGHTERS FIRST 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
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