SYMPHONY RISK SOLUTIONS 401(K) PLAN Investment Options
Available Funds in SYMPHONY RISK SOLUTIONS 401(K) PLAN
Below is the lineup of investment options available to participants in SYMPHONY RISK SOLUTIONS 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 |
|---|
| American Funds 2015 TRGT DATE RETIRE R5E |
| American Funds 2020 TRGT DATE RETIRE R5E |
| American Funds 2025 TRGT DATE RETIRE R5E |
| American Funds 2030 TRGT DATE RETIRE R5E |
| American Funds 2035 TRGT DATE RETIRE R5E |
| American Funds 2040 TRGT DATE RETIRE R5E |
| American Funds 2045 TRGT DATE RETIRE R5E |
| American Funds 2050 TRGT DATE RETIRE R5E |
| American Funds 2055 TRGT DATE RETIRE R5E |
| American Funds 2060 TRGT DATE RETIRE R5E |
| American Funds 2065 TARGET DATE FUND R5E |
| American Funds AMERICAN HIGH-INC R5E |
| American Funds AMERICAN MUTUAL R5E |
| American Funds CAPITAL WORLD GR&INC R5E |
| American Funds GLOBAL GROWTH PORT R5E |
| American Funds GROWTH AND INC PORT R5E |
| American Funds GROWTH PORTFOLIO R5E |
| American Funds INVMT CO OF AMER R5E |
| American Funds NEW ECONOMY R5E |
| American Funds NEW PERSPECTIVE R5E |
| American Funds SMALLCAP WORLD R5E |
| American Funds ST BD FD OF AMER R5E |
| American Funds US GOVERNMENT MMKT R5E |
| American Funds WASHINGTON MUTUAL R5E |
| BlackRock MID-CAP GROWTH EQUITY INSTL |
| Columbia Seligman Technology COLUMBIA SELIGMAN TECH & INFORMATION I2 |
| Fidelity Investments FIDELITY 500 INDEX |
| Fidelity Investments FIDELITY CONTRAFUND |
| Fidelity Investments FIDELITY SELECT ENERGY PORTFOLIO |
| Fidelity Investments FIDELITY SELECT GOLD |
| Fidelity Investments FIDELITY SELECT HEALTH CARE |
| Fidelity Investments FIDELITY SMALL CAP INDEX |
| Franklin Templeton FRANKLIN RISING DIVIDENDS ADV |
| Parnassus Investments PARNASSUS CORE EQUITY – INST |
| Parnassus Investments PARNASSUS MID CAP INSTITUTIONAL |
| T. Rowe Price Retirement Funds, Inc. T. ROWE PRICE BLUE CHIP GROWTH |
| T. Rowe Price Retirement Funds, Inc. T. ROWE PRICE EQUITY INCOME FUND |
| Vanguard MID CAP INDEX ADM |
| maturing through November 2029 $ – |
| 1RGTFX 95,538.81 |
| 1RGSFX 363,428.69 |
| 1RNGHX 8,800.24 |
| 1RNPHX 16,009.11 |
| 1RSLDX 67,770.11 |
| 1CMGIX 8,515.93 |
| 1SCMIX 111,383.84 |
| 1CONTRA 163,715.39 |
| 1FSENX 163,060.83 |
| 1FSAGX 488,855.98 |
| 1FSPHX 11,816.98 |
| 1FSSNX 54,316.24 |
| 1FSKAX 54,170.26 |
| 1PFPMX 747.60 |
| 1TR-BCG 54,438.29 |
| 1VIMAX 77,128.71 |
| 1RMFHX 1,080.28 |
| 1RWIHX 49,764.05 |
| 1RGQFX 35,555.48 |
| 1RICHX 148,173.62 |
| 1RWMHX 215,787.28 |
| 1FXAIX 138,775.10 |
| 1FRDAX 20,489.81 |
| 1PRILX 17,901.17 |
| 1TR-EIF 32,199.60 |
| 1RITHX 23,611.02 |
| 1RMDSX 0.01 |
| 1RAAGX 271,198.69 |
| 1PTTRX 149,409.15 |
| 1RAGXX 972,246.90 |
| 1RHBTX 234,009.91 |
| 1RHCTX 1,571,984.12 |
| 1RHDTX 522,046.00 |
| 1RHETX 1,062,881.55 |
| 1RHFTX 1,002,457.90 |
| 1RHGTX 937,351.18 |
| 1RHHTX 650,761.11 |
| 1RHITX 647,966.75 |
| 1RHJTX 17,086.95 |
| 1RHKTX 43,244.02 |
| 1RHLTX 26,186.52 |
| FORFEITURES 73,413.47 |
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 SYMPHONY RISK SOLUTIONS 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% | … | … |
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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
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