It is important to start saving early; you can grow your money faster. Whether you are young or old, it is important to take advantage the company benefit. Some companies may offer match contribution for you. For 401k, the company may offers traditional 401k or Roth 401k.Once enrolled, you can choose variety of investment funds in your account. Whether it is bond funds, stock funds, balanced funds, target date funds; you need to find the right funds for your accounts.
Mutual Funds
Mutual funds are popular investment for 401k investors. Most of these mutual funds are managed by top fund managers & have great returns over the long term time frame.You can use as the top funds for your strategy in 2015 & 2016 or beyond.
Popular 401k mutual funds
Bond Funds
- PIMCO Total Return Fund
- Vanguard Total Bond Market Index Fund
- Dodge & Cox Income Fund
- Metropolitan West Total Return Fund
- Templeton Global Total Return Fund
- Doubleline Total Return Bond Fund
U.S. Stock Funds – Large Cap
- Vanguard 500 Index Fund
- Vanguard Total Stock Market Index Fund
- Fidelity Contrafund
- American Funds Growth Fund of America
- Dodge & Cox Stock Fund
- T Rowe Price Growth Stock Fund
- Vanguard PRIMECAP Fund
- Vanguard Windsor Fund
- T Rowe Price Equity Income Fund
- Vanguard Dividend Growth Fund
U.S. Stock – Small Cap
- Vanguard Small Cap Index Fund
- T Rowe Price New Horizons Fund
- T Rowe Price Small Cap Stock Fund
- Fidelity Small Cap Discovery Fund
- Vanguard Small Cap Growth Index Fund
- Royce Premier Fund
International Stocks
- Dodge & Cox International Stock Fund
- Harbor International Fund
- American Funds Europacific Growth Fund
- Artisan International Fund
- Fidelity Diversified International Fund
- T Rowe Price Overseas Stock Fund
- Vanguard International Growth Fund
Balanced Funds
- American Funds Income Fund of America
- American Funds Capital Income Builder
- Vanguard Wellington Fund
- Franklin Income Fund
- American Funds American Balanced Fund
- T Rowe Price Capital Appreciation Fund
- Fidelity Balanced Fund
- Fidelity Puritan Fund
- Vanguard STAR Fund
- Dodge & Cox Balanced Fund
- Vanguard Wellesley Income Fund
Target Date Funds
- Vanguard Target Retirement 2015 Fund
- Vanguard Target Retirement 2020 Fund
- Vanguard Target Retirement 2025 Fund
- Vanguard Target Retirement 2030 Fund
- Vanguard Target Retirement 2035 Fund
- T Rowe Price Retirement 2015 Fund
- T Rowe Price Retirement 2020 Fund
- T Rowe Price Retirement 2025 Fund
- T Rowe Price Retirement 2030 Fund
- Fidelity Freedom 2020 Fund
- Fidelity Freedom 2030 Fund
- Fidelity Freedom 2040 Fund
ETFs
ETF offerings in 401k account may be limited .These exchange traded funds may become popular for investors due to its low cost. Some exchange traded funds may have expense fee of 0.05% per year. Low fees may provide higher return for your money.Top 401k ETFs are:
- SPDR S&P 500 ETF (SPY)
- iShares Core S&P 500 ETF (IVV)
- iShares MSCI EAFE ETF (EFA)
- Vanguard FTSE Emerging Markets ETF (VWO)
- PowerShares QQQ (QQQ)
- Vanguard Total Stock Market ETF (VTI)
- Vanguard REIT ETF (VNQ)
- iShares MSCI Emerging Markets ETF (EEM)
- SPDR Gold Shares (GLD)
- Vanguard FTSE Europe ETF (VGK)
- iShares Russell 1000 Growth ETF (IWF)
- Vanguard FTSE All-World ex-US ETF (VEU)
- Vanguard Dividend Appreciation ETF (VIG)
- Vanguard FTSE Developed Markets ETF (VEA)
- iShares Russell 1000 Value ETF (IWD)
- iShares Russell 2000 ETF (IWM)
- iShares Core S&P Mid-Cap ETF (IJH)
- Vanguard S&P 500 ETF (VOO)
- Vanguard Total Bond Market ETF (BND)
- SPDR Financial Select Sector Fund (XLF)
- iShares Core U.S. Aggregate Bond ETF (AGG)
- iShares iBoxx Investment Grade Corporate Bond ETF (LQD)
- Vanguard Short-Term Bond ETF (BSV)
- SPDR S&P MIDCAP 400 ETF (MDY)
- Vanguard Growth ETF (VUG)
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