THE FRONTIER TECHNOLOGY 401K PLAN Investment Options

Available Funds in THE FRONTIER TECHNOLOGY 401K PLAN

Below is the lineup of investment options available to participants in THE FRONTIER TECHNOLOGY 401K 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: 59
Investment Description
AMERFUNDS 2045 TARG DATERET R6 Registered Investment Company
FID 500 IND Registered Investment Company
PIONEER BOND FUND – K Registered Investment Company
EV ATLANTA CAPITAL SMID CAP R6 Registered Investment Company
AMERICAN FUNDS 2055 TARGET R6 Registered Investment Company
AMERFUNDS 2035 TARG DATERET R6 Registered Investment Company
AMERFUNDS 2060 TARG DATERET R6 Registered Investment Company
AMERFUNDS 2010 TARG DATERET R6 Registered Investment Company
ALLSPRING SPECIAL MC VAL R6 Registered Investment Company
MFS VALUE R6 Registered Investment Company
CLEARBRIDGE LARGE CAP GR IS Registered Investment Company
AMERFUNDS 2030 TARG DATERET R6 Registered Investment Company
HARTFORD STRAT INC FUND R6 Registered Investment Company
FID SMALL CAP INDEX Registered Investment Company
AMERFUNDS 2050 TARG DATERET R6 Registered Investment Company
FRANKLIN GLD & PREC METAL R6 Registered Investment Company
FID US BOND IND Registered Investment Company
AMERFUNDS 2065 TARG DATERET R6 Registered Investment Company
TRPRICE INTL STOCK FD I Registered Investment Company
LORD ABBETT SHORT DUR INC R6 Registered Investment Company
VICTORY RS GLOBAL Y Registered Investment Company
AMERFUNDS 2020 TARG DATERET R6 Registered Investment Company
AMERFUNDS 2025 TARG DATERET R6 Registered Investment Company
AMERFUNDS 2040 TARG DATERET R6 Registered Investment Company
PIM RE REAL RETURN STRAT – INS Registered Investment Company
FRANKLIN SCV R6 Registered Investment Company
PIMCO INTL BOND USD HDGD I Registered Investment Company
FID MID CAP INDEX Registered Investment Company
through 2029 -0-
(Form 5500)
(6) Net investment gain (loss) from common/collective trusts …………………… 2b
AMERFUNDS 2045 TARG DATERET R6
FID 500 IND
PIONEER BOND FUND – K
EV ATLANTA CAPITAL SMID CAP R6
AMERICAN FUNDS 2055 TARGET R6
AMERFUNDS 2035 TARG DATERET R6
AMERFUNDS 2060 TARG DATERET R6
ALLSPRING SPECIAL MC VAL R6
MFS VALUE R6
CLEARBRIDGE LARGE CAP GR IS
AMERFUNDS 2030 TARG DATERET R6
HARTFORD STRAT INC FUND R6
FID SMALL CAP INDEX
AMERFUNDS 2050 TARG DATERET R6
FRANKLIN GLD & PREC METAL R6
FID US BOND IND
AMERFUNDS 2010 TARG DATERET R6
AMERFUNDS 2065 TARG DATERET R6
TRPRICE INTL STOCK FD I
LORD ABBETT SHORT DUR INC R6
VICTORY RS GLOBAL Y
AMERFUNDS 2020 TARG DATERET R6
AMERFUNDS 2025 TARG DATERET R6
AMERFUNDS 2040 TARG DATERET R6
PIM RE REAL RETURN STRAT – INS
FRANKLIN SCV R6
PIMCO INTL BOND USD HDGD I
FID MID CAP 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:

  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 THE FRONTIER TECHNOLOGY 401K 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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