PEAK TECHNICAL SERVICES, INC. 401(K) PLAN Investment Options
Available Funds in PEAK TECHNICAL SERVICES, INC. 401(K) PLAN
Below is the lineup of investment options available to participants in PEAK TECHNICAL SERVICES, 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 |
|---|
| Fidelity Investments Fidelity 500 Index Fund N/R |
| MFS Investment Management MFS Research International Fund N/R |
| Janus Henderson Balanced Fund – N/R |
| BlackRock Advantage Small Cap N/R |
| PIMCO Funds PIMCO Income Fund Insti Class N/R |
| PIMCO Funds PIMCO Realpath Blend 2040 N/R |
| PIMCO Funds PIMCO Realpath Blend 2025 N/R |
| PIMCO Funds PIMCO Realpath Blend 2035 N/R |
| PIMCO Funds PIMCO Realpath Blend 2030 N/R |
| PIMCO Funds PIMCO Realpath Blend 2045 N/R |
| T. Rowe Price Funds T. Rowe Price Diversified Mid Cap N/R |
| American Funds New World Fund N/R |
| iShares iShares Russell Mid-Cap Index N/R |
| PIMCO Funds PIMCO Realpath Blend 2055 N/R |
| PIMCO Funds PIMCO Realpath Blend 2060 N/R |
| Fidelity Investments Fidelity International Index N/R |
| Fidelity Investments Fidelity US Bond Index N/R |
| PIMCO Funds PIMCO Realpath Blend 2065 N/R |
| Fidelity Investments Fidelity Small Cap Index N/R |
| PIMCO Funds PIMCO Realpath Blend Income Instl N/R |
| PIMCO Funds PIMCO Realpath Blend 2050 N/R |
| EMPOWER RETIREMENT A FUNDS NEW WORLD R6 |
| EMPOWER RETIREMENT MFS RESEARCH INTL R6 |
| EMPOWER RETIREMENT BLACKROCK ADV SMALL CAP CORE K |
| EMPOWER RETIREMENT ISHARES RUSSEL MID CAP INDEX |
| EMPOWER RETIREMENT FIDELITY 500 INDEX |
| EMPOWER RETIREMENT JANUS HENDERSON BALANCED |
| EMPOWER RETIREMENT PIMCO INCOME |
| EMPOWER RETIREMENT FORFEITURES |
| EMPOWER RETIREMENT PIMCO BLEND INCOME |
| EMPOWER RETIREMENT PIMCO BLEND 2025 |
| EMPOWER RETIREMENT PIMCO BLEND 2030 |
| EMPOWER RETIREMENT PIMCO BLEND 2035 |
| EMPOWER RETIREMENT PIMCO BLEND 2040 |
| EMPOWER RETIREMENT PIMCO BLEND 2045 |
| EMPOWER RETIREMENT PIMCO BLEND 2050 |
| EMPOWER RETIREMENT PIMCO BLEND 2055 |
| EMPOWER RETIREMENT PIMCO BLEND 2060 |
| EMPOWER RETIREMENT PIMCO BLEND 2065 |
| EMPOWER RETIREMENT FIDELITY INTERNATIONAL |
| EMPOWER RETIREMENT FIDELITY SMALL CAP |
| EMPOWER RETIREMENT T. ROWE PRICE DIVERSIFIED |
| EMPOWER RETIREMENT MID CAP VALUE FUND II CL R1 |
| EMPOWER RETIREMENT LARGE CAP GROWTH FUND III |
| EMPOWER RETIREMENT LARGE CAP VALUE FUND CLASS R1 |
| EMPOWER RETIREMENT FIDELITY US BOND INDEX |
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 PEAK TECHNICAL SERVICES, 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
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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
- more …
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