ACCUWEATHER 401(K) PLAN Investment Options
Basic steps for ACCUWEATHER 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 ACCUWEATHER 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
ACCUWEATHER 401(K) PLAN provides a list of funds (mutual funds and collective investment trusts — custom-made mutual funds for the plan):
Total Available Funds: 40
| Investment Description |
|---|
| INVESCO DISCOVERY R6 |
| AMERFUNDS 2020 TARG DATERET R6 |
| AMERFUNDS 2035 TARG DATERET R6 |
| GOLDMAN SACHS INC BLDR R6 |
| JPMORGAN LITD DUR BOND R6 |
| AMERFUNDS 2045 TRAG DATERET R6 |
| MFS INTL NEW DISCOVERY R6 |
| ISHARES MSCI EAFE INTL INDEX K |
| AMERFUNDS 2030 TARG DATERET R6 |
| FIRST EAGLE GOLD R6 |
| JPM CORE BOND R6 |
| ISHARES US AGGREGATE BD IDX K |
| AMERICAN FUNDS EUROPAC GRO R6 |
| AMERICAN FUNDS US GOV SEC R6 |
| AMERICAN FUNDS NEW WORLD R6 |
| AMERFUNDS 2025 TARG DATERET R6 |
| ISHARES S&P 500 INDEX K |
| JPMORGAN LARGE CAP GROWTH R6 |
| BLACKROCK MIDCAP GROWTH EQ K |
| AMERICAN FUNDS CAP INC BLDR R6 |
| DWS RREEF REAL EST SEC R6 |
| MFS MID CAP VALUE FUND R6 |
| INVESTSCO EQV INTL SMALL COMP R6 |
| AMERIFUNDS 2050 TARG DATERET R6 |
| AMERICAN FUNDS 2055 TARGET R6 |
| JPMORGAN EQUITY INCOME FUND R6 |
| ISHARES RUSSELL 2000 SM CAP K |
| BLACKROCK FED FUND INSTL |
| FRANKLIN SCV R6 |
| AMERFUNDS 2040 TARG DATERET R6 |
| ISHARES MSCI TOTAL INTL IDX K |
| BLACKROCK INFL PROTECT BOND K |
| MFS CORPORATE BOND R6 |
| MASSACHUSETTS INVESTORS TR R6 |
| AMERFUNDS 2060 TARG DATERET R6 |
| AMERFUNDS AMER BALANCED R6 |
| DWS ENHANCED COMMODITY ST |
| TEMPLETON FOREIGN FUND R6 |
| ISHARES RUSSELL MIDCAP INDEX K |
| PGIM TOTAL RETURN BOND R6 |
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:
The return data shown below all have the same latest date: 04/17/2025.
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Inception |
|---|---|---|---|---|---|---|---|---|
| Four Core Asset Portfolio | -3.30% | 5.79% | 3.38% | 6.96% | 5.72% | 6.72% | 6.58% | 6.24% |
| Five Core Asset Portfolio | -3.56% | 5.75% | 3.22% | 6.81% | 5.64% | 6.62% | 6.67% | 6.43% |
| Three Core Asset Portfolio | -3.82% | 5.37% | 4.04% | 7.39% | 6.08% | 6.93% | 6.68% | 6.15% |
| Two Core Asset Portfolio | -6.15% | 5.01% | 4.48% | 7.85% | 7.11% | 8.16% | 7.36% | 6.63% |
| Yale Endowment Template | -2.70% | 7.23% | 2.39% | 6.78% | 6.06% | 7.67% | 7.40% | 7.52% |
| S&P 500 Index | -9.87% | 6.47% | 7.85% | 14.63% | 11.64% | 12.39% | 9.95% | 8.00% |
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