FREEDOM FIRST FEDERAL CREDIT UNION 401(K) PLAN Investment Options
Available Funds in FREEDOM FIRST FEDERAL CREDIT UNION 401(K) PLAN
Below is the lineup of investment options available to participants in FREEDOM FIRST FEDERAL CREDIT UNION 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 |
|---|
| Vanguard Inflation Protected Securities Admiral Shares |
| PIMCO Commodity Real Return Strategy Instl Class |
| Vanguard Wellington Fund Admiral Shares |
| Vanguard International Value Investor Shares |
| Vanguard 500 Index Admiral Class |
| Blackrock 20/80 Target Allocation Fund |
| American Funds 2030 Target Date Retirement Fund R6 |
| Vanguard International Growth Admiral Shares |
| American Funds 2025 Target Date Retirement Fund R6 |
| Vanguard Mid Cap Growth Index Admiral Shares |
| American Funds 2045 Target Date Retirement Fund R6 |
| Vanguard Tax-Managed Capital Apprec. Fund Admiral |
| American Funds New Perspective Class R6 |
| Vanguard Windsor Fund Admiral Shares |
| American Funds 2040 Target Date Retirement Fund R6 |
| American Funds 2015 Target Date Retirement Fund R6 |
| American Funds 2050 Target Date Retirement Fund R6 |
| American Funds 2060 Target Date Retirement Fund R6 |
| American Funds 2020 Target Date Retirement Fund R6 |
| Vanguard High Yield Corporate Admiral Shares |
| Vanguard Tax-Managed Balanced Fund Admiral Shares |
| American Funds 2055 Target Date Retirement Fund R6 |
| American Funds 2035 Target Date Retirement Fund R6 |
| American Funds International Growth and Income Class R6 |
| Vanguard Emerging Markets Stock Index Admiral Shares |
| American Funds 2065 Target Date Retirement Fund R6 |
| T. Rowe Price Ultra Short Term Bond Fund |
| Vanguard Growth Index Admiral Shares |
| Vanguard Lifestrategy Growth Investor Shares |
| PIMCO International Bond US Dollar Hedged Instl |
| Baird Core Plus Bond Class Institutional |
| State Street Russell Small Cap Growth Index Non Lending Series C |
| State Street Russell Small Cap Value Index Non Lending Series C |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| VAN INFL PROTECTED SEC – ADMR |
| PIMCO COMM RL RET STR – INSTL |
| VANGUARD TOT BND MKT IND- ADM |
| VANGUARD WELLINGTON ADMIN |
| VAN INTERNATIONAL VALUE – INV |
| VANGUARD 500 INDEX FUND – ADM |
| BLACKROCK 20 80 TARGET ALLOC K |
| AMERFUNDS 2030 TARG DATERET R6 |
| VANGUARD INTL GRTH ADM |
| AMERFUNDS 2025 TARG DATERET R6 |
| VANGUARD MID CAP VALUE IND ADM |
| AMERFUNDS 2045 TARG DATERET R6 |
| VAN TAX-MANAGED CAP APP ADM |
| AMER FUNDS NEW PERSP R6 |
| VANGUARD WINDSOR FUND ADMIRAL |
| AMERFUNDS 2040 TARG DATERET R6 |
| AMERFUNDS 2015 TARG DATERET R6 |
| AMERFUNDS 2050 TARG DATERET R6 |
| AMERFUNDS 2060 TARG DATERET R6 |
| AMERFUNDS 2020 TARG DATERET R6 |
| VANG HI YLD CORP ADM |
| VANGUARD TAX-MANAGED BAL ADM |
| AMERICAN FUNDS 2055 TARGET R6 |
| AMERFUNDS 2035 TARG DATERET R6 |
| AMERICAN FUNDS INT GR & INC R6 |
| VANGUARD EMG MKTS STK IDX ADM |
| AMERFUNDS 2065 TARG DATERET R6 |
| VANGUARD MIDCAP GROWTH IDX ADM |
| TRP ULTRA SHORT TERM BOND I |
| VANGUARD GROWTH INDEX FUND ADM |
| VANGUARD LIFESTRATEGY GROWTH |
| PIMCO INTL BOND USD HDGD I |
| BAIRD CORE PLUS BOND INSTL |
| STATE STREET RUSS SCG IDX NL C |
| STATE STREET RUSS SCV IDX NL C |
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 FREEDOM FIRST FEDERAL CREDIT UNION 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
Join our community and get data-driven insights about FREEDOM FIRST FEDERAL CREDIT UNION 401(K) PLAN. See how it compares to peer companies in fees, match generosity, and investment quality as soon as our new ranking reports go live.
Notify Me When Ratings Go LiveExplore More Plan Resources
Recent Articles
- General Dynamics 401(k) Review: 100% Match Up to 6% With $325 Million in Employer Contributions
- June 2026 MyPlanIQ Portfolio Update
- APPLE 401(K) PLAN 401(k) Review: A Match That Rewards Loyalty, Plus Plenty of Investment Options
- Charter Communications 401(k) Review: 100% Match Up to 6% With a 3-Year Vesting Clock
- Walmart 401(k) Plan Review: 100% Match on 6% for 1.9 Million Employees
- GSK 401(K) PLAN Review: 11% Employer Contribution Combines Match Makes It One of the Most Generous
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 …
Portfolio Calculator (Simulator)
Customize Asset Allocation Portfolios
Retirement Calculator
Investment Calculator
Looking for a (forgotten) 401(k)?
Find plan contact info, plan expenses, investment options, rollover your old plan, or learn how to select investments on your 401k plan …
Keep researching FREEDOM FIRST FEDERAL CREDIT UNION 401(K) PLAN
Use the links below to move from this plan page into calculators, related retirement articles, and comparable plans in a similar industry or size band. That gives you a faster way to compare match design, fees, investments, and savings strategy in context.
Related Calculators
Related Plans
- VELOCITY CREDIT UNION THRIFT AND SAVINGS PLAN (265 participants, $18,370,094)
- POTLATCH NO 1 FEDERAL CREDIT UNION 401(K) PLAN AND TRUST (263 participants, $9,819,148)
- ST. ANNES CREDIT UNION OF FALL RIVER 401(K) RETIREMENT PLAN (263 participants, $9,064,886)
- TEXAS CREDIT UNION LEAGUE SAVINGS & RETIREMENT PLAN & TRUST (263 participants, $6,582,255)
- SEATTLE METROPOLITAN CREDIT UNION 401(K) PLAN (262 participants, $16,106,519)