IMD FLUID SYSTEM TECHNOLOGIES, INC. 401(K) PLAN Investment Options
Available Funds in IMD FLUID SYSTEM TECHNOLOGIES, INC. 401(K) PLAN
Below is the lineup of investment options available to participants in IMD FLUID SYSTEM TECHNOLOGIES, INC. 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 |
|---|
| American Funds American Balanced Fund |
| American Funds U.S. Government Securities Fund Class R-6 |
| John Hancock Funds II Multimanager Aggressive Lifestyle Portfolio Class |
| John Hancock Funds II Blue Chip Growth Fund Class |
| John Hancock Funds II Multimanager Lifestyle Balanced Portfolio |
| John Hancock Funds II Multimanager Lifestyle Conservative Portfolio Class |
| Fidelity Contrafund Fund |
| John Hancock Opportunistic Fixed Income Fund Class |
| American Funds Investment Company of America Class R-4 |
| Tocqueville Gold Fund |
| Invesco Developing Markets Fund Class Y |
| John Hancock Funds II Capital Appreciation Fund Class |
| DFA Emerging Markets Value Portfolio Institutional Class |
| DFA U.S. Targeted Value Portfolio Institutional Class |
| John Hancock Funds II Multimanager Growth Lifestyle Portfolio Class A |
| T. Rowe Price Health Sciences Fund |
| John Hancock Funds II High Yield Fund Class |
| John Hancock Funds II International Small Cap Fund Class |
| American Funds Income Fund of America |
| John Hancock Funds International Growth Fund Class |
| Vanguard 500 Index Fund Admiral Shares |
| PGIM Jennison Mid Cap Growth Fund – Class z |
| JPMorgan U.S Equity Fund Class R5 |
| Vanguard Growth Index Fund Admiral Shares |
| Vanguard Value Index Fund Admiral Shares |
| John Hancock Funds II Multimanager 2025 Lifetime Portfolio Class |
| John Hancock Funds II Multimanager 2030 Lifetime Portfolio Class |
| John Hancock Funds II Multimanager 2035 Lifetime Portfolio Class |
| John Hancock Funds II Multimanager 2040 Lifetime Portfolio Class |
| John Hancock Funds II Multimanager 2045 Lifetime Portfolio Class |
| John Hancock Funds II Multimanager 2050 Lifetime Portfolio Class |
| John Hancock Funds II Multimanager 2060 Lifetime Portfolio Class |
| John Hancock Funds II Multimanager 2065 Lifetime Portfolio Class |
| JPMorgan Mid Cap Value Fund Class L |
| John Hancock Funds II Multimanager Moderate Lifestyle Portfolio Class |
| Royce Small-Cap Opportunity Investment |
| Parnassus Core Equity Fund – Investor Shares |
| Invesco Small Cap Growth Fund R5 Class |
| T. Rowe Price Science & Technology Fund Advisor Class |
| T. Rowe Price New Era Fund |
| Victory Diversified Stock Fund Class A |
| Vanguard Energy Fund Admiral Shares |
| Vanguard Mid-Cap Value |
| Vanguard Mid-Cap Growth Index Fund |
| Vanguard Small-Cap Growth Index Fund Admiral Shares |
| American Funds Washington Mutual Investor Fund |
| Oppenheimer Global Fund |
| Vanguard Explorer Fund |
| SMALLCAP World Fund |
| New World Fund |
| rates ranging from 5.25% to 10.50% – |
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 IMD FLUID SYSTEM TECHNOLOGIES, INC. 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
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