FREED MAXICK CPAS, P. C. 401K PLAN Investment Options
Basic steps for FREED MAXICK CPAS, P. C. 401K 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 FREED MAXICK CPAS, P. C. 401K 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
FREED MAXICK CPAS, P. C. 401K PLAN provides a list of funds (mutual funds and collective investment trusts — custom-made mutual funds for the plan):
Total Available Funds: 36
| Investment Description |
|---|
| AMERICAN FUNDS AM BALANCED R6 |
| AMERICAN FUNDS EUROPACIFIC R6 |
| AMERICAN FUNDS FDMNTL INV R6 |
| AMERICAN FUNDS NW PRSPCTV R6 |
| CARILLON EAGLE MID CAP GRW R6 |
| COLUMBIA DIVIDEND INCOME FD I3 |
| DFA GLOBAL REAL EST SEC PT INS |
| FRANKLIN SM CAP VALUE FND R6 |
| JPMORGAN SMCP GROWTH FND R6 |
| LORD ABBETT HIGH YIELD FD R6 |
| MFS INTL INTRINSIC VAL FND R6 |
| PIMCO REAL RET-INSTL |
| PIONEER FLOATING RATE FUND Y |
| TD AMERITRADE SDBA |
| TRWPR BLUE CHIP GROWTH FND I |
| TRWPR RETIREMENT 2065 FUND INV |
| TRWPR RETIREMENT BAL FUND |
| TRWPR RETRMT 2010 FD - INV CL |
| TRWPR RETRMT 2015 FD - INV CL |
| TRWPR RETRMT 2020 FD - INV CL |
| TRWPR RETRMT 2025 FD - INV CL |
| TRWPR RETRMT 2030 FD - INV CL |
| TRWPR RETRMT 2035 FD - INV CL |
| TRWPR RETRMT 2040 FD - INV CL |
| TRWPR RETRMT 2045 FD - INV CL |
| TRWPR RETRMT 2050 FD - INV CL |
| TRWPR RETRMT 2055 FD - INV CL |
| TRWPR RETRMT 2060 FD - INV CL |
| VANGRD 500 INDEX FUND ADM |
| VANGRD MID-CAP INDEX FND ADM |
| VANGRD SMALL-CAP INDEX FND ADM |
| VANGRD TOT INT STK IN F ADM |
| VICTORY SYCMR EST VL FD I |
| VOYA FIXED ACCOUNT INSURANCE COMPANY GENERAL ACCOUNT |
| VOYA FIXED ACCOUNT A INSURANCE COMPANY GENERAL ACCOUNT |
| WSTASST CORE BOND FUND IS |
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% |
Recent Articles
- Lazy Portfolios in Different Market Conditions
- Tax-Efficient Lazy Portfolios
- Lazy Portfolios for Retirement Investing
- How to Implement a Lazy Portfolio
- What Are Lazy Portfolios?
- IRAs as One of the Emergency Fund Sources
- How to Borrow From an IRA?
- Special Issue: Staying the Course Amid Market Turmoil
- A Step-by-Step Guide to Finding Your Old 401(k) Account
Free newsletters
High quality resources for 401k, 403b, 529 retirement plans on investment, contribution, fees, retirement planning and much more ...
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
Looking for ideas to generate income?
- ETF or mutual fund income portfolios for 4-7% annual income
- Dividend stock funds
- Passive real estate investments
- more ...
Portfolio Calculator (Simulator)
Quickly enter fund allocation and get a back test result on the performance of this 'lazy' portfolio.
Customize Asset Allocation Portfolios
Build a custom model portfolio using our asset strategic or tactical strategies, tailored to a 401(k) plan or for a brokerage account.
Retirement Calculator
See how much you can save for retirement.
Investment Calculator
Grow your wealth and see the power of compounding.
Looking for a (forgotten) 401(k)?
Find plan contact info, plan expenses, investment options, rollover your old plan, or learn how to select investments on your 401k plan ...