BLUE BELL MATTRESS CO., LLC 401K PROFIT SHARING PLAN AND TRUST Investment Options
Basic steps for BLUE BELL MATTRESS CO., LLC 401K PROFIT SHARING PLAN AND TRUST 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 BLUE BELL MATTRESS CO., LLC 401K PROFIT SHARING PLAN AND TRUST (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
BLUE BELL MATTRESS CO., LLC 401K PROFIT SHARING PLAN AND TRUST provides a list of funds (mutual funds and collective investment trusts — custom-made mutual funds for the plan):
Total Available Funds: 37
| Investment Description |
|---|
| FMMT RETIRE GOVERNMENT II MONEY MARKET FUND |
| FIDELITY FREEDOM 2040 MUTUAL FUND |
| FIDELITY FREEDOM 2030 MUTUAL FUND |
| FIDELITY 500 INDEX PR MUTUAL FUND |
| COHEN AND STEERS REALTY MUTUAL FUND |
| PUTNAM LARGE CAP VALUE FUND R6 MUTUAL FUND |
| MAINSTAY LGCP GROWTH R1 MUTUAL FUND |
| FIDELITY FREEDOM 2050 MUTUAL FUND |
| FIDELITY US BOND INDEX MUTUAL FUND |
| BARON GROWTH MUTUAL FUND |
| PIONEER STRATEGY INCOME Y MUTUAL FUND |
| OAKMARK EQUITY AND INCOME I MUTUAL FUND |
| JANUS HENDERSON GLOBAL INCOME FUND MUTUAL FUND |
| FIDELITY FREEDOM 2035 MUTUAL FUND |
| FIDELITY FREEDOM 2045 MUTUAL FUND |
| FIDELITY FREEDOM 2025 MUTUAL FUND |
| MFS INTERNATIONAL DIVERSIFICATION FUND R6 MUTUAL FUND |
| FIDELITY FREEDOM 2020 MUTUAL FUND |
| FIDELITY EXT MKT INDEX PR MUTUAL FUND |
| ROYCE PA MUTUAL SVC MUTUAL FUND |
| FIDELITY SELECT ENERGY MUTUAL FUND |
| BLACKROCK EQUITY DIV A MUTUAL FUND |
| INVESTSCO DEVELOPING MARKETS FUND A MUTUAL FUND |
| FIDELITY FREEDOM 2015 MUTUAL FUND |
| FIDELITY INTERNATIONAL INDEX MUTUAL FUND |
| HEARTLAND VAL PLS IV MUTUAL FUND |
| MFS MID CAP VALUE FUND R6 MUTUAL FUND |
| PGIM TOTAL REUTRN BOND FUND R6 MUTUAL FUND |
| PIMCO REAL RETURN FUND INST MUTUAL FUND |
| FIDELITY FREEDOM INCOME MUTUAL FUND |
| BLACKROCK HIGH YIELD BOND K MUTUAL FUND |
| FIDELITY FREEDOM 2060 MUTUAL FUND |
| NB LARGE CAP GROWTH INST MUTUAL FUND |
| FIDELITY FREEDOM 2010 MUTUAL FUND |
| FIDELITY FREEDOM 2005 MUTUAL FUND |
| FIDELITY FREEDOM 2055 MUTUAL FUND |
| FIRST EAGLE GOLD A 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:
The return data shown below all have the same latest date: 04/23/2025.
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Inception |
|---|---|---|---|---|---|---|---|---|
| Four Core Asset Portfolio | -2.42% | 5.80% | 4.16% | 7.44% | 5.75% | 6.69% | 6.58% | 6.28% |
| Five Core Asset Portfolio | -2.65% | 5.82% | 4.04% | 7.30% | 5.66% | 6.59% | 6.66% | 6.47% |
| Three Core Asset Portfolio | -2.83% | 5.55% | 4.94% | 7.88% | 6.11% | 6.93% | 6.68% | 6.20% |
| Two Core Asset Portfolio | -5.24% | 5.34% | 5.30% | 8.39% | 7.13% | 8.14% | 7.37% | 6.67% |
| Yale Endowment Template | -1.90% | 6.89% | 3.01% | 7.26% | 6.09% | 7.57% | 7.38% | 7.55% |
| S&P 500 Index | -8.27% | 7.31% | 9.28% | 15.66% | 11.67% | 12.40% | 9.97% | 8.08% |
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