INTELLIGENT DECISION SYSTEMS, INC. 401(K) PLAN Investment Options
Available Funds in INTELLIGENT DECISION SYSTEMS, INC. 401(K) PLAN
Below is the lineup of investment options available to participants in INTELLIGENT DECISION SYSTEMS, 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 Option List |
|---|
| JPMorgan Chase JPMorgan Large Cap Growth Fund – Class R-3 (SEEGX) |
| American Funds American Balanced Fund – Class R-4 (GBLAX) |
| iShares iShares S&P 500 Index – Class K (BSPPX) |
| American Funds 2040 Target Date Retirement – Class R-4 (REGTX) |
| Macquarie Asset Management Mid Cap Growth Fund – Class Y (VMGIX) |
| American Funds Investment Company of America – Class A (FAOOX) |
| American Funds 2025 Target Date Retirement – Class R-4 (REDTX) |
| Macquarie Asset Management Small Cap Core Fund – Class A (NSGRX) |
| American Funds Capital Income Builder Fund – Class R-4 (FBCIX) |
| American Funds 2035 Target Date Retirement – Class R-4 (REFTX) |
| American Funds New World Fund – Class R-4 (HVWBX) |
| American Funds EuroPacific Growth Fund, Class R-4 (FEPUX) |
| BlackRock T-Fund – Premier (BMMXX) |
| Fidelity Advisor New Insights Fund – Class A (FNIAX) |
| Fidelity Advisor Strategic Income Fund – Class M (FSRIX) |
| Lord Abbett Short Duration Income – Class A (LLDYX) |
| American Funds Washington Mutual Investors Fund – Class R-4 (FWMMX) |
| American Funds 2020 Target Date Retirement – Class R-4 (RECTX) |
| Janus Henderson Triton Janus Triton Fund – Class A (JSMGX) |
| iShares iShares Russell 2000 Small Cap Index Fund – Class A (BDBPX) |
| American Funds 2050 Target Date Retirement – Class R-4 (REITX) |
| Franklin Rising Dividends Fund – Class A (FRDPX) |
| Victory Victory Established Value Fund – Class A (GETGX) |
| Macquarie Asset Management Small Cap Value Fund – Class A (VISVX) |
| American Funds U.S. Government Securities Fund – Class R-4 (FSUGX) |
| PIMCO International Bond (USD-Hedged) Fund – Class A (TNBMX) |
| Victory Victory Trivalent International Small Cap Fund – Class A (MISIX) |
| Franklin Gold and Precious Metals Fund – Class A (FGADX) |
| American Funds 2015 Target Date Retirement – Class R-4 (REJTX) |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| JANUS HENDERSON TRITON A (JSMGX) |
| ISHARES S&P 500 INDEX K (BSPPX) |
| FRANKLIN RISING DIVIDENDS – A (FRISX) |
| AMERICAN FUNDS AMER BAL – R4 |
| LA SHORT DURATION INC – A |
| AMERICAN FUNDS EURPAC GR FD-R4 |
| AMERFDS 2025 TARG DATE RET-R4 (DRIUX) |
| FRANKLIN GOLD AND PREC METAL-A |
| PIMCO INTL BD FD USD-HED A |
| JPM LRG CP GWTH R3 |
| MACQUARIE MID CAP GROWTH Y (VMGIX) |
| MACQUARIE SMALL CAP CORE A (NSGRX) |
| FIDELITY ADV NEW INSIGHTS – A (FINSX) |
| AMERFDS 2040 TARG DATE RET-R4 (DRIHX) |
| ISHARES RUSSELL 2000 SM CAP A (BDBPX) |
| VICTORY INTL SMALL CAP A (VSVIX) |
| VICTORY ESTABLISHED VALUE A (GETGX) |
| AMERICAN FUNDS WAMU – R4 |
| AMERFDS 2015 TARG DATE RET-R4 (DRIQX) |
| AMERICAN MUTUAL R4 (AMRMX) |
| PRINCIPAL REAL EST SEC A |
| AMERFDS 2050 TARG DATE RET-R4 (DRIJX) |
| AMERICAN FUNDS INV CO AMER -R4 |
| MACQUARIE SMALL CAP VALUE – A (VISVX) |
| AMERICAN FUNDS NEW WRLD – R4 (HVWBX) |
| LORD ABBETT TOT RET A (LACFX) |
| AMERICAN CAP INC BLDER – R4 |
| AMERFDS 2020 TARG DATE RET-R4 (DRIRX) |
| AMERFDS 2035 TARG DATE RET-R4 (DRIGX) |
| FID ADV STRAT INC M |
| AM FNDS U.S. GOVT SEC FND – R4 |
| AMERFDS 2030 TARG DATE RET-R4 |
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 INTELLIGENT DECISION SYSTEMS, 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% | … | … |
Get Key Insights for This Plan
Join our community and get data-driven insights about INTELLIGENT DECISION SYSTEMS, INC. 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
- Advocate Aurora Health 401(k) Plan: 100% Match on 3%, Vanguard Institutional Funds, and $355M in Employer Contributions
- VIMSX Fund Review: Vanguard Mid-Cap Index for Long-Term Retirement Wealth
- VFIAX Fund Review: Vanguard 500 Index Admiral Shares for Retirement Savers
- Textron Savings Plan Review: 50% Match on First 10% with Graded Vesting
- Amazon 401(k) Plan Review: 50% Match, 1.1M Participants, and the 3-Year Vesting Catch
- Citizens Financial Group 401(k) Review: Dollar-for-Dollar Match Up to 4% With Immediate Vesting
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 INTELLIGENT DECISION SYSTEMS, INC. 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
- CURRICULUM ASSOCIATES, INC. 401(K) PLAN (136 participants, $9,147,783)
- EDUCATIONAL DEVELOPMENT EMPLOYEE 401(K) PLAN (133 participants, $5,686,071)
- HAY HOUSE 401(K) & PROFIT SHARING PLAN (131 participants, $5,783,082)
- EMC CORPORATION 401K RETIREMENT PLAN (128 participants, $10,136,685)
- BARRONS EDUCATIONAL SERIES, INC. PROFIT SHARING PLAN (125 participants, $15,315,310)