REI SYSTEMS, INC. 401(K) PLAN Investment Options
Basic steps for REI SYSTEMS, INC. 401(K) PLAN investments
- 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?
- 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.
- 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.
- Review Investment Options: Evaluate the investment options available within REI SYSTEMS, 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.
- 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.
- 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.
- 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
REI SYSTEMS, 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: 51
| Investment Description |
|---|
| AC IN RETIRE TR I COMMON COLLECTIVE TRUST FUND |
| AC RD 2025 TR I COMMON COLLECTIVE TRUST FUND |
| AC RD 2030 TR I COMMON COLLECTIVE TRUST FUND |
| AC RD 2035 TR I COMMON COLLECTIVE TRUST FUND |
| AC RD 2040 TR I COMMON COLLECTIVE TRUST FUND |
| AC RD 2045 TR I COMMON COLLECTIVE TRUST FUND |
| AC RD 2050 TR I COMMON COLLECTIVE TRUST FUND |
| AC RD 2055 TR I COMMON COLLECTIVE TRUST FUND |
| AC RD 2060 TR I COMMON COLLECTIVE TRUST FUND |
| PUTNAM STABLE VALUE COMMON COLLECTIVE TRUST FUND |
| AF SMALLCAP WORLD R6 MUTUAL FUND |
| AF TRGT DATE 2010 R6 MUTUAL FUND |
| AF TRGT DATE 2015 R6 MUTUAL FUND |
| AF TRGT DATE 2025 R6 MUTUAL FUND |
| AF TRGT DATE 2030 R6 MUTUAL FUND |
| AF TRGT DATE 2035 R6 MUTUAL FUND |
| AF TRGT DATE 2040 R6 MUTUAL FUND |
| AF TRGT DATE 2045 R6 MUTUAL FUND |
| AF TRGT DATE 2050 R6 MUTUAL FUND |
| AF TRGT DATE 2055 R6 MUTUAL FUND |
| AF TRGT DATE 2060 R6 MUTUAL FUND |
| AF WASH MUTL INV R6 MUTUAL FUND |
| BLKRK MIDCAP GRTH IS MUTUAL FUND |
| DFA REAL EST SEC I MUTUAL FUND |
| FID 500 INDEX MUTUAL FUND |
| FID ASSET MGR 40% MUTUAL FUND |
| FID ASSET MGR 85% MUTUAL FUND |
| FID BALANCED K MUTUAL FUND |
| FID CONVERTIBLE SEC MUTUAL FUND |
| FID EMERGING MKTS MUTUAL FUND |
| FID EQ DIV INCOME K MUTUAL FUND |
| FID EXTD MKT IDX MUTUAL FUND |
| FID GOVT MMKT MUTUAL FUND |
| FID GROWTH CO K6 MUTUAL FUND |
| FID GROWTH STRAT K MUTUAL FUND |
| FID INTL INDEX MUTUAL FUND |
| FID MID CAP IDX MUTUAL FUND |
| FID SEL ENERGY MUTUAL FUND |
| FID SEL SOFTWARE MUTUAL FUND |
| FID SEL TRANSPORT MUTUAL FUND |
| FID SM CAP IDX MUTUAL FUND |
| FID SMALL CAP GR K6 MUTUAL FUND |
| FID US BOND IDX MUTUAL FUND |
| H & W HIGH YIELD I MUTUAL FUND |
| JH SM CAP CORE A MUTUAL FUND |
| MFS GROWTH R3 MUTUAL FUND |
| NUVEEN MDCP VALUE I MUTUAL FUND |
| PGIM TOTAL RTN BD R6 MUTUAL FUND |
| VANG INTL GROWTH ADM MUTUAL FUND |
| VANG SMCPVL IDX ADM MUTUAL FUND |
| VANG VALUE IDX ADM MUTUAL FUND |
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.
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:
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Inception |
|---|---|---|---|---|---|---|---|---|
| Four Core Asset Portfolio | 6.54% | 9.70% | 9.90% | 7.29% | 6.97% | 7.91% | 6.88% | 6.67% |
| Five Core Asset Portfolio | 6.29% | 9.57% | 9.66% | 7.11% | 6.90% | 7.80% | 6.94% | 6.86% |
| Three Core Asset Portfolio | 6.76% | 9.91% | 10.83% | 7.83% | 7.37% | 8.21% | 7.04% | 6.62% |
| Two Core Asset Portfolio | 4.90% | 9.88% | 11.53% | 8.56% | 8.41% | 9.53% | 7.72% | 7.12% |
| Yale Endowment Template | 7.91% | 11.28% | 9.51% | 7.42% | 7.58% | 8.91% | 7.63% | 7.98% |
| S&P 500 Index | 7.42% | 14.79% | 19.53% | 16.27% | 13.64% | 14.84% | 10.62% | 8.80% |
Data as of 07/03/2025, AR inception is 12/31/2000
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