INFINITY SYSTEMS ENGINEERING, LLC 401(K) PLAN Investment Options

Available Funds in INFINITY SYSTEMS ENGINEERING, LLC 401(K) PLAN

Below is the lineup of investment options available to participants in INFINITY SYSTEMS ENGINEERING, 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.

Total Available Funds: 53
Investment Description
VANGUARD SM CAP VAL INDEX ADM
VANGUARD GROWTH INDEX FUND ADM
VANGUARD TAX-MNGD SM CAP ADM
VANGUARD MID CAP INDEX – ADM
VANGUARD VAN TARGET RETIRE 2025
FIRST EAGLE FIRST EAGLE GOLD R6
VANGUARD VAN TARGET RETIRE 2030
VANGUARD MID CAP VALUE IND ADM
AMERICAN CENTURY AMERCENT INFL ADJ BD R5
LORD ABBETT SH DUR INC R3
AMERICAN FUNDS NEW WORLD R6
VANGUARD VAN TARGET RETIRE 2020
PGIM PGIM HIGH YIELD FUND R6
PIONEER BOND Y
INVESCO INT SMALL MID CO A
VANGUARD VAN TARGET RETIRE 2040
VANGUARD VAN TARGET RETIRE 2045
BLACKROCK GLBL ALLOCATION INST
VANGAURD VANGUARD VALUE INDEX FUND ADMR
NUVEEN FLOATRATEINC R6
VANGUARD SM CP GR IDX -ADMIRAL
VANGUARD MATERIALS INDEX ADM
VANGUARD VAN TARGET RETIRE 2035
VANGUARD VAN TARGET RETIRE 2055
BLACKROCK BLK STRATEGIC INC OPP PRT INST
VANGUARD VANG TOT STK MKT IDX – ADMIRAL
MFS INTL INTRINSIC VAL FD – R3
VANGUARD VAN TARGET RETIRE 2050
VANGUARD VAN TARG RETIRE 2065
VANGUARD TOT INTL STK IND ADM
VANGUARD MIDCAP GROWTH IDX ADM
VANGUARD VAN TARGET RETIRE INC
INVESCO STABLE ASSET – ADPZ
RELIANCE TRUST NOTES RECEIVABLE FROM PARTICIPANTS, 4%-9.5% – 0 –
(Form 5500)
(6) Net investment gain (loss) from common/collective trusts …………………… 2b
VAN TARG RETIRE 2060
VAN TARGET RETIRE 2025
FIRST EAGLE GOLD R6
VAN TARGET RETIRE 2030
AMERCENT INFL ADJ BD R5
VAN TARGET RETIRE 2020
PGIM HIGH YIELD FUND R6
VAN TARGET RETIRE 2040
VAN TARGET RETIRE 2045
VANGUARD VALUE INDEX FUND ADMR
VAN TARGET RETIRE 2035
VAN TARGET RETIRE 2055
BLK STRATEGIC INC OPP PRT INST
VANG TOT STK MKT IDX – ADMIRAL
VAN TARGET RETIRE 2050
VAN TARG RETIRE 2065
VAN TARGET RETIRE INC

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:

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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 INFINITY SYSTEMS ENGINEERING, 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%
Data as of 05/01/2026, Common starting date is 12/31/2000

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