FORMULATED SOLUTIONS 401(K) PLAN Investment Options
Available Funds in FORMULATED SOLUTIONS 401(K) PLAN
Below is the lineup of investment options available to participants in FORMULATED SOLUTIONS 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 |
|---|
| Empower American Funds 2025 Trgt Date Retire R6 |
| Empower American Funds 2030 Trgt Date Retire R6 |
| Empower American Funds 2045 Trgt Date Retire R6 |
| Empower American Funds 2040 Trgt Date Retire R6 |
| Empower American Funds 2055 Trgt Date Retire R6 |
| Empower American Funds 2035 Trgt Date Retire R6 |
| Empower Vanguard 500 Index Admiral |
| Empower MassMutual Blue Chip Growth I |
| Empower American Funds Washington Mutual R6 |
| Empower American Funds 2060 Trgt Date Retire R6 |
| Empower American Funds 2050 Trgt Date Retire R6 |
| Empower Vanguard Small Cap Index Adm |
| Empower American Funds American Balanced R6 |
| Empower MassMutual Mid Cap Growth I |
| Empower American Funds New World R6 |
| Empower Allspring Special Mid Cap Value R6 |
| Empower PIMCO Income Instl |
| Empower Invesco International Diversified R6 |
| Empower MassMutual High Yield I |
| Empower American Funds Capital World Gr&Inc R6 |
| Empower Vanguard Mid Cap Index Admiral |
| Empower Invesco Small Cap Growth R6 |
| Empower Allspring Special Small Cap Value R6 |
| Empower American Funds 2020 Trgt Date Retire R6 |
| MassMutual General Account – |
| 1RRCTX 9,971.36 |
| 1RFDTX 1,485,689.28 |
| 1RFETX 1,278,653.35 |
| 1RFFTX 801,797.18 |
| 1RFGTX 935,672.46 |
| 1RFHTX 1,034,481.77 |
| 1RFITX 407,765.15 |
| 1RFKTX 813,506.51 |
| 1RFUTX 406,041.65 |
| 1RWIGX 100,435.15 |
| 1RNWGX 209,339.40 |
| 1OIDIX 199,219.15 |
| 1VTIAX 167,973.70 |
| 1GTSFX 78,324.65 |
| 1VSMAX 241,738.81 |
| 1ESPRX 74,803.66 |
| 1MEFZX 180,305.10 |
| 1VIMAX 80,788.40 |
| 1WFPRX 184,617.34 |
| 1RWMGX 506,590.15 |
| 1MBCZX 543,781.57 |
| 1VFIAX 662,215.31 |
| 1RLBGX 189,401.97 |
| 1FBKWX 166,803.82 |
| 1MPHZX 176,453.38 |
| 1PIMIX 192,483.04 |
| 1VBTLX 178,958.04 |
| 1MHPJA1 2.800 477,801.51 |
| FORFEITURES 4,371.33 |
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 FORMULATED SOLUTIONS 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
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