ROSE-MARY 401(K) PLAN Investment Options

Available Funds in ROSE-MARY 401(K) PLAN

Below is the lineup of investment options available to participants in ROSE-MARY 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.

Total Available Funds: 30
Investment Option List
State Street TARGET RETIREMENT 2040 K (SSCLX)
State Street TARGET RETIREMENT 2045 K (SSCUX)
State Street TARGET RETIREMENT 2050 K (SSDFX)
State Street TARGET RETIREMENT 2055 K (SSDMX)
State Street TARGET RETIREMENT 2060 K (SSDTX)
State Street TARGET RETIREMENT 2065 K (SSFJX)
Fidelity INTERNATIONAL INDEX (FDIVX)
Fidelity ADVISOR SMALL CAP VALUE Z (FCVIX)
Fidelity SMALL CAP INDEX (FSISX)
Lord Abbett DEVELOPING GROWTH R6 (LADVX)
Fidelity 500 INDEX (FUSEX)
J.P. Morgan JPMORGAN U.S. VALUE R6
T. Rowe T. ROWE PRICE LARGE CAP GROWTH I (TPLGX)
American AMERICAN FUNDS BOND FUND OF AMER R6 (RTAFX)
1SSCQX 54,023.05
1SSDEX 137,388.05
1SSDLX 109,367.45
1SSDQX 142,804.44
1SSDYX 118,847.22
1SSFKX 103,498.69
1FSPSX 132,067.61
1FIKNX 19,529.93
1FSSNX 32,163.65
1LADVX 18,588.63
1FXAIX 97,849.56
1VGINX 51,518.67
1TRLGX 47,636.40
1RBFGX 229,900.89
1GWAQ35 1.450 38,356.50
FORFEITURES 14,101.05

Click to view the investment model portfolios of this plan ►

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:

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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 ROSE-MARY 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% … …
Data as of 05/01/2026, Common starting date is 12/31/2000

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