PRECISION STRIP RETIREMENT AND SAVINGS PLAN Investment Options

Basic steps for PRECISION STRIP RETIREMENT AND SAVINGS PLAN investments

  1. 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?
  2. 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.
  3. 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.
  4. Review Investment Options: Evaluate the investment options available within PRECISION STRIP RETIREMENT AND SAVINGS 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.
  5. 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.
  6. 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.
  7. 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

PRECISION STRIP RETIREMENT AND SAVINGS PLAN provides a list of funds (mutual funds and collective investment trusts — custom-made mutual funds for the plan):

Total Available Funds: 33
Asset Class Ticker Description
US EQUITY
LARGE BLEND FADAX Fidelity Investments Fidelity Dividend Growth Fund
LARGE BLEND FUSEX Fidelity Investments Spartan U.S. Equity Index Fund
Mid-Cap Growth BARAX Baron Funds Baron Asset Fund
LARGE GROWTH JAVLX Janus Funds Janus Twenty Fund
LARGE GROWTH RGAEX American Funds American Funds Growth Fund of Amer R4
SMALL BLEND NBGEX Neuberger Berman Neuberger Berman Genesis Tr Fund
LARGE VALUE FEIAX Fidelity Investments Fidelity Equity Income Fund
LARGE VALUE AADEX American Beacon American Beacon Large Cap Value Fund
SMALL VALUE ROFIX The Royce Funds Royce Opportunity Fund
Small Growth IHSAX The Harford Mutual Funds The Hartford International Small Company Fund
LARGE BLEND FFIDX Fidelity Investments Fidelity Fund
Mid-Cap Growth DGRAX Morgan Stanley MAS Mid-Cap Growth Portfolio Fund
MID-CAP VALUE FAVFX Fidelity Investments Fidelity Value Fund
Mid-Cap Growth FMCSX Fidelity Investments Fidelity Mid Cap Stock Fund
MID-CAP BLEND FSEVX Fidelity Investments Spartan Total Mkt Index Fund
INTERNATIONAL EQUITY
Foreign Large Growth FDIVX Fidelity Investments Fidelity Diversified International Fund
FIXED INCOME
Intermediate-Term Bond PTTRX Pacific Investment Management Company Pacific Investment Management Company Total Return Fund
Others
Moderate Allocation FPURX Fidelity Investments Fidelity Puritan Fund
Target Date 2021-2025 FITWX Fidelity Investments Fidelity Freedom 2025 Fund
Target Date 2031-2035 FITHX Fidelity Investments Fidelity Freedom 2035 Fund
Target Date 2026-2030 FEFIX Fidelity Investments Fidelity Freedom 2030 Fund
Target Date 2036-2040 FIFFX Fidelity Investments Fidelity Freedom 2040 Fund
Target Date 2050+ FFFPX Fidelity Investments Fidelity Freedom 2050 Fund
Target Date 2016-2020 FDIFX Fidelity Investments Fidelity Freedom 2020 Fund
Target Date 2041-2045 FFFIX Fidelity Investments Fidelity Freedom 2045 Fund
Target Date 2011-2015 FFVIX Fidelity Investments Fidelity Freedom 2015 Fund
Target Date 2000-2010 FCIFX Fidelity Investments Fidelity Freedom 2010 Fund
Retirement Income FFFAX Fidelity Investments Fidelity Freedom Income Fund
Target Date 2000-2010 FFFBX Fidelity Investments Fidelity Freedom 2000 Fund
Target Date 2000-2010 FFIVX Fidelity Investments Fidelity Freedom 2005 Fund
unknown unknown Fidelity Investments Fidelity Managed Income Portfolio
ROOT CASH Fidelity Investments Cash
ROOT CASH Fidelity Investments Fidelity rtmt Money Mkt Portfolio Fund

Click to view the investment model portfolios of this plan ►

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.

Click to view the investment model portfolios of this plan ►

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: 04/22/2025.
Name YTD Return 1Yr AR 3Yr AR 5Yr AR 10Yr AR 15Yr AR 20Yr AR Inception
Four Core Asset Portfolio -3.18% 5.78% 3.97% 7.28% 5.69% 6.67% 6.56% 6.25%
Five Core Asset Portfolio -3.44% 5.77% 3.84% 7.12% 5.61% 6.56% 6.64% 6.43%
Three Core Asset Portfolio -3.68% 5.46% 4.75% 7.70% 6.04% 6.90% 6.66% 6.16%
Two Core Asset Portfolio -6.24% 5.06% 5.13% 8.17% 7.04% 8.09% 7.34% 6.62%
Yale Endowment Template -2.72% 6.84% 2.74% 7.07% 6.04% 7.55% 7.36% 7.51%
S&P 500 Index -9.78% 6.82% 8.88% 15.27% 11.51% 12.33% 9.92% 8.01%

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Enter the funds you have chosen from this plan along with their weights, and see how such a portfolio has performed.

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