RATIONAL COOKING SYSTEMS, INC. 401(K) PLAN Investment Options
Available Funds in RATIONAL COOKING SYSTEMS, INC. 401(K) PLAN
Below is the lineup of investment options available to participants in RATIONAL COOKING 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 Description |
|---|
| Victory Established Value |
| Blackrock Mid Cap Growth |
| Columbia Small Cap Growth |
| American Funds American High Income Fund |
| Janus Henderson Developed World Bond |
| Invesco Global Fund |
| Fidelity Advisor Growth Opps Fund |
| Schwab Target 2050 Index |
| IShares MSCI EAFE International Index |
| American Funds New World Fund |
| American Century Inflation Adjusted Bond |
| T. Rowe Spec Moderate Growth Alloc |
| Columbia Balanced Fund |
| DWS Enhanced Commodity |
| Schwab Target 2045 Index |
| IShares S&P 500 Index |
| Vanguard International Growth Fund |
| Transamerica International Equity Fund |
| IShares Russell 2000 Small Cap Fund |
| Victory Small Co Opp Fund |
| Columbia Dividend Income Fund |
| IShares Russell MidCap |
| American Funds US Government Securities Fund |
| Schwab Target 2030 |
| Schwab Target 2035 |
| Schwab Target 2065 |
| Schwab Target 2055 |
| Schwab Target 2020 |
| Schwab Target 2015 |
| Schwab Target 2040 |
| Schwab Target 2025 |
| Schwab Target 2060 |
| Schwab Target 2010 |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| PRINCIPAL RE SECURITIES I |
| VICTORY ESTABLISHED VALUE R6 |
| SCHWAB TARGET 2015 INDEX |
| BLACKROCK MIDCAP GROWTH EQ K |
| COLUMBIA SMALL CAP GROWTH I3 |
| AMF AMERICAN HIGH INCOME – R6 |
| SCHWAB TARGET 2040 INDEX |
| JANUS HEN DEV WRLD BD N |
| INVESCO GLOBAL R6 |
| FID ADV GRWTH OPPS – Z |
| SCHWAB TARGET 2025 INDEX |
| VANGUARD FEDERAL MM INV |
| ISHARES MSCI EAFE INTL INDEX K |
| SCHWAB TARGET 2060 INDEX |
| SCHWAB TARGET 2035 INDEX |
| AMERICAN FUNDS NEW WORLD R6 |
| AC INFLATION ADJ BOND R6 |
| SCHWAB TARGET 2065 INDEX |
| TRO SPEC MODGRTH ALLOC I |
| COLUMBIA BALANCED FUND – I3 |
| SCHWAB TARGET 2055 INDEX |
| DWS ENHANCED COMMODITY ST |
| ISHARES S&P 500 INDEX K |
| VANGUARD INTL GRTH ADM |
| TRANSAMERICA INTL EQUITY R6 |
| SCHWAB TARGET 2020 INDEX |
| ISHARES RUSSELL 2000 SM CAP K |
| SCHWAB TARGET 2010 INDEX |
| VICTORY SMALL CO OPP R6 |
| COLUMBIA DIVIDEND INCOME I3 |
| ISHARES RUSSELL MIDCAP INDEX K |
| AMERICAN FUNDS US GOV SEC R6 |
| SCHWAB TARGET 2030 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 RATIONAL COOKING 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
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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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