Straight-Line Portfolios. Let us recommend the right one for you.

   

Conservative

  • Blend of fixed income for a high degree of stability and preservation of capital


 
95% Fixed Income (FI)
5% Money Markets

Moderately Conservative

  • Blend of fixed income and equities for greater stability
  • Modest potential for growth


50% Fixed Income (FI)
20% Large Cap Equity (LC)
10% Small Cap Equity (SC)
20% Target Date (TD / FI)

Moderate

  • Balance of growth potential and principal preservation
  • Fluctuations likely, but less than overall equities market


35% Fixed Income (FI)
35% Large Cap Equity (LC)
10% Small Cap Equity (SC)
20% Target Date (TD / LC)

Moderately Aggressive

  • Good growth potential for long-term investors
  • Fair amount of volatility


10% Fixed Income (FI)
40% Large Cap Equity (LC)
20% Small Cap Equity (SC)
20% Target Date (TD / LC)

Aggressive

  • High growth potential. May involve substantial year-to-year volatility.


30% Large Cap Equity (LC)
30% Small Cap Equity (SC)
40% Target Date (TD / SC)


Please Note:

The following list is provided to you for information purposes only. This is not a solicitation or recommendation to select, buy or own these no-load funds for your company's 401k plan.

For the past 20+ years Pension Systems Corporation has been providing 401k plan sponsors with "unbundled" 401k, plans which have empowered plan sponsors to select any mutual funds and/or self-directed brokerages available in the US for inclusion in his or her company's plan. We do not make 401k investment recommendations; this list is simply a compilation of the most popular no-load funds for 401k plans, based upon our 20+ years' experience as a 401k plan provider to small businesses.

FUND NAME TICKER SYMBOL 1 CUSIP NUMBER 2 Morningstar Rating 3 Morningstar Medalist 4 Investment Category 5 CATEGORY CODE
FIDELITY CAPITAL AND INCOME FUND FAGIX 316062108 5 S High Yield Bond FI
FIDELITY GNMA FUND FGMNX 31617K105 5 G Intermediate Government FI
PIMCO INCOME FUND PIMIX 72201F490 5 S MultiSector Bond FI
PIMCO INVESTMENT CORPORATE BOND FUND PIGIX 722005816 5 S Corporate Bond FI
PIMCO SHORT-TERM FUND PTSHX 693390601 5 S Ultrashort Bond FI
VANGUARD WELLESLEY INCOME FUND VWINX 921938106 5 G Conservative Allocation FI
T ROWE PRICE RETIREMENT FUND 2005 TRRFX 74149P812 5 G Target Date 2000-2010 TD / FI
T ROWE PRICE RETIREMENT FUND 2010 TRRAX 74149P101 5 G Target Date 2000-2010 TD / FI
T ROWE PRICE RETIREMENT FUND 2015 TRRGX 74149P796 5 G Tatget Date 2011-2015 TD / FI
FIDELITY ADVISOR LARGE CAP STOCK FALIX 315805887 5 S Large Blend LB
FIDELITY LARGE CAP STOCK FUND FLCSX 315912402 5 S Large Blend LB
VANGUARD EQUITY INCOME FUND VEIPX 921921102 5 S Large Value LC
T ROWE PRICE RETIREMENT FUND 2020 TRRBX 74149P200 5 G Target Date 2016-2020 TD / LC
T ROWE PRICE RETIREMENT FUND 2025 TRRHX 74149P788 5 G Target Date 2021-2025 TD / LC
T ROWE PRICE RETIREMENT FUND 2030 TRRCX 74149P309 5 G Target Date 2026-2030 TD / LC
T ROWE PRICE RETIREMENT FUND 2035 TRRJX 74149P770 5 G Target Date 2031-2035 TD / LC
T ROWE PRICE RETIREMENT FUND 2040 TRRDX 74149P408 5 G Target Date 2036-2040 TD / SC
T ROWE PRICE RETIREMENT FUND 2045 TRRKX 74149P762 5 G Target Date 2041-2045 TD / SC
T. ROWE PRICE RETIREMENT FUND 2050 TRRMX 74149P754 5 G Target Date 2046-2050 TD / SC
T. ROWE PRICE RETIREMENT FUND 2055 TRRNX 74149P747 5 G Target Date 2051+ TD / SC
VANGUARD MID-CAP VALUE FUND VMVIX 922908520 5 S Mid-Cap Value SC
VANGUARD SMALL-CAP VALUE INDEX FUND VISVX 922908793 5 S Small Value SC



1. Ticker Symbol: The "Ticker "represents a company's stock on an exchange. The ticker can be the most dependable way to identify a stock, because it is less likely to change than a stock name.
2. CUSIP Number: A CUSIP number is 9-character alphanumeric code that identifies a North American security for the purposes of facilitating clearing and settlement of trades. It is an alternative to the Ticker Symbol.
3. Morningstar Rating: Morningstar rates mutual funds from one to five stars based on how well they've performed (after adjusting for risk and accounting for all sales charges) in comparison to similar funds. Within each Morningstar Category, the top 10% of funds receive five stars, the next 22.5% four stars, the middle 35% three stars, the next 22.5% two stars, and the bottom 10% receive one star. Funds are rated for up to three time periods--three-, five-, and 10 years--and these ratings are combined to produce an overall rating. Ratings are objective, based entirely on a mathematical evaluation of past performance. Morningstar Ratings are a useful tool for identifying funds worthy of further research, but shouldn't be considered on their own as buy or sell recommendations.
4. Morningstar Medalist Ratings: Mutual funds that receive Gold, Silver, and Bronze Ratings are subjective determinations Morningstar analysts believe are most likely to outperform their category peers and benchmarks on a risk-adjusted basis over market cycles of at least five years.
5. Investment Category: The "Investment Category" is a subjective evaluation of a fund's return objective based upon prospectus information and the underlying securities in the fund's portfolio. These categories help investors make meaningful comparisons between funds by making it easier to build well-diversified portfolios, assess potential risk, and identify top-performing funds.