O'REILLY MEDIA, INC. 401(K) PLAN Investment Options

Basic steps for O'REILLY MEDIA, INC. 401(K) PLAN investments

  1. Understand Your Goals and Risk Tolerance: Consider your retirement goals, time horizon, and risk tolerance when choosing investments. Are you saving for retirement, or do you have other financial goals in mind? How comfortable are you with market fluctuations?
  2. Diversification: Diversification is key to managing risk in your investment portfolio. Spread your investments across different asset classes (e.g., stocks, bonds, cash equivalents) and sectors to reduce the impact of market volatility.
  3. Asset Allocation: Determine the appropriate mix of assets for your investment portfolio based on your goals and risk tolerance. This may involve allocating a percentage of your portfolio to stocks, bonds, and cash equivalents.
  4. Review Investment Options: Evaluate the investment options available within O'REILLY MEDIA, INC. 401(K) PLAN (see below for more detailed investment options). Look for funds with low fees, consistent performance, and a track record of meeting their investment objectives.
  5. Consider Target-Date Funds: Target-date funds are a popular option for retirement savings because they automatically adjust the asset allocation over time based on your expected retirement date. These funds can be a convenient option for investors who prefer a hands-off approach to investing.
  6. Monitor and Rebalance: Periodically review your investment portfolio and make adjustments as needed. Rebalance your portfolio to maintain your desired asset allocation and ensure it remains aligned with your goals and risk tolerance.
  7. Seek Professional Advice: If you’re unsure about which investments to choose or how to allocate your assets, consider seeking advice from a financial advisor. They can help you develop an investment strategy tailored to your individual needs and circumstances.

By following these steps, you can set up a 401(k) plan and choose investments that align with your long-term financial goals and objectives. Remember that investing involves risk, and it’s important to carefully consider your options and seek professional advice if needed.

Investment Options

O'REILLY MEDIA, INC. 401(K) PLAN provides a list of funds (mutual funds and collective investment trusts — custom-made mutual funds for the plan):

Total Available Funds: 31
Asset Class Ticker Description
US EQUITY
LARGE VALUE RMFGX American Funds American Mutual R6 Large Cap Funds
SMALL VALUE DFFVX DFA US Targeted Value I Small Cap Funds
LARGE BLEND FUSEX Fidelity Spartan 500 Index Inv
MID-CAP BLEND FSEMX Fidelity Spartan Extended Market Index Mid Cap Funds
MID-CAP VALUE FLMVX JP Morgan Mid Cap Value - Instl
LARGE GROWTH JLGMX JPMorgan Large Cap Growth R6 Large Cap Funds
Mid-Cap Growth POAGX PRIMECAP Odyssey Aggressive Growth Mid Cap Funds
Small Growth PRNHX T. Rowe Price New Horizon
SMALL BLEND VSISX Vanguard Small Cap Index Signal Small Cap Funds
INTERNATIONAL EQUITY
Foreign Large Blend REREX ,American Funds EuroPacific Growth R4 International Funds
WORLD STOCK RLLGX American Funds SMALLCAP World R6
Foreign Small/Mid Value DISVX DFA International Small Cap Value I
Foreign Large Value MINHX MFS International Value R4
Foreign Large Blend VTSGX Vanguard Total Intl Stock Index Signal International Funds
Others
Target Date 2000-2010 RFTTX American Funds Trgt Date Ret 2010 R6 Asset Allocation
Target Date 2011-2015 RFJTX American Funds Trgt Date Ret 2015 R6 Asset Allocation
Target Date 2016-2020 RRCTX American Funds Trgt Date Ret 2020 R6 Asset Allocation
Target Date 2021-2025 RFDTX American Funds Trgt Date Ret 2025 R6 Asset Allocation
Target Date 2026-2030 RFETX American Funds Trgt Date Ret 2030 R6 Asset Allocation
Target Date 2031-2035 RFFTX American Funds Trgt Date Ret 2035 R6 Asset Allocation
Target Date 2036-2040 RFGTX American Funds Trgt Date Ret 2040 R6 Asset Allocation
Target Date 2041-2045 RFHTX American Funds Trgt Date Ret 2045 R6 Asset Allocation
Target Date 2046-2050 RFITX American Funds Trgt Date Ret 2050 R6 Asset Allocation
Target Date 2051+ RFKTX ,American Funds Trgt Date Ret 2055 R6 Asset Allocation
not found no ticker Guaranteed Portfolio Fund Fixed
Emerging Market
DIVERSIFIED EMERGING MKTS DFEMX DFA Emerging Markets I
FIXED INCOME
Inflation-Protected Bond DIPSX DFA Inflation-Protected Securities I Bond Funds
High Yield Bond FAGIX Fidelity Capital & Income Bond Funds
Multisector Bond LSBDX Loomis Sayles Bond Fund Inst
Intermediate-Term Bond PTRAX PIMCO Total Return Admin
Intermediate-Term Bond VBTSX Vanguard Total Bond Market Index Signal Bond Funds

Click to view the investment model portfolios of this plan ►

How to invest

Key principles in retirement investing:

  • Proper asset allocation among stocks and bonds, the two major assets. Proper assess your risk tolerance level based on your age, financial situation, personal emotional level to tolerate up and down, and retirement expectation.
  • Invest in (ultra) low cost index funds if possible. Don’t get caught up with flashy funds.
  • Invest for a long term: financial markets are up and down and investment values are subject to fluctuation. However, viewed as business investments, you can be assured that diversified funds (stocks and bonds) have solid business fundamental that eventually will deliver inflation beating returns for stocks.

See Four-Step Guide for 401(k) Retirement Investing.

Click to view the investment model portfolios of this plan ►

Basic asset allocation templates

The following asset allocation templates are based on popular lazy portfolios. These are core or major asset class-based portfolios using ultra-low-cost index funds for each asset class. Once you have decided on your proper risk asset (stocks) allocation, you can utilize these lazy portfolio templates to scale the allocations to your risk allocation level. See Asset Allocation Portfolio Templates for a guide:

The return data shown below all have the same latest date: 05/02/2025.
Name YTD Return 1Yr AR 3Yr AR 5Yr AR 10Yr AR 15Yr AR 20Yr AR Inception
Four Core Asset Portfolio 0.68% 8.67% 6.12% 7.91% 6.15% 6.95% 6.74% 6.42%
Five Core Asset Portfolio 0.43% 8.56% 5.96% 7.77% 6.06% 6.85% 6.82% 6.61%
Three Core Asset Portfolio 0.39% 8.60% 6.86% 8.37% 6.51% 7.23% 6.87% 6.34%
Two Core Asset Portfolio -1.80% 8.93% 7.42% 8.89% 7.57% 8.44% 7.55% 6.83%
Yale Endowment Template 1.31% 9.78% 5.29% 7.83% 6.58% 7.79% 7.54% 7.70%
S&P 500 Index -2.96% 13.66% 12.59% 16.59% 12.29% 12.91% 10.28% 8.34%

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Enter the funds you have chosen from this plan along with their weights, and see how such a portfolio has performed.

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