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I have a low six figures in my 401K. I now have it spread over 5 funds and would like some advice on which funds I should move it to. Below are my choices. Thanks in advance for the advice.
SSgA Government Money Market Fund Investment Strategy: Seeks to provide the safety of principal and current income offered by short term U.S. Government securities. Primarily invests in direct obligations of the U.S. Treasury, U.S. Government agencies, repurchase agreements and money markets with maturities of 13 months or less. (The fund itself is not insured or guaranteed by the U.S. Government.) An investment in money market funds is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Although money market funds seek to preserve the principal of your investment at $1.00 per share, it is possible to lose money by investing in money market funds. Click here for additional fund information.
-------------------------------------------------------------------------------- PIMCO Total Return Fund - Class A Ticker: PTTAX Investment Strategy: The investment seeks total return consistent with preservation of capital. The fund normally invests at least 65% of total assets in a diversified portfolio of Fixed Income Instruments of varying maturities, which may be represented by forwards or derivatives such as options, futures contracts, or swap agreements. It invests primarily in investment grade debt securities, but may invest up to 10% of its total assets in high yield securities ("junk bonds). The fund may invest all of assets in derivative instruments, and may not invest in equity securities The Fund may invest up to 20% in foreign securities and may invest beyond this limit in U.S. dollar-denominated securities of foreign issuers, which may entail greater risk due to foreign economic and political developments. The Fund may invest up to 10% of its assets in high yield, lower rated securities generally involves greater risk to principal than investment in higher rated securities. Mortgage-backed securities may be sensitive to changes in prevailing interest rates, when they rise the value generally declines. There is no assurance that the private guarantors or insurers will meet their obligations. Click here to obtain a fund prospectus.
-------------------------------------------------------------------------------- SSgA Life SolutionsSM Income & Growth Fund Investment Strategy: Seeks to provide income and a modest level of capital appreciation. The Strategy seeks to closely match a composite benchmark comprised of the Lehman Brothers Aggregate Bond Index (60%), the Russell 3000 Index (35%), and the MSCI EAFE Index (5%). The investment management approach for the Fund has been modified to more closely track the fund’s respective performance benchmark indices and the investment manager may deviate from the fund’s target asset allocation mix. The Fund is a pre-mixed portfolio of commingled stock and bond funds. The average asset allocation for the fund is expected to be: U.S. Fixed Income = 60%; U.S. Stocks = 35%; Foreign Stocks = 5%. The Russell 3000 Index consists of the 3,000 largest U.S. stocks, as determined by total market capitalization, and represents approximately 98% of the investable U.S. equity market. The Morgan Stanley Capital International Europe, Australia, Far East (MSCI EAFE) Index represents more than 1,000 stocks traded on the major foreign developed markets, including Japan, the United Kingdom, France, and Germany. The MSCI EAFE Index represents approximately one-half of the world’s equity markets. The Lehman Brothers Aggregate Index is composed of investment grade corporate, government, and mortgage-backed bonds that have maturities greater than one year. Click here for additional fund information.
-------------------------------------------------------------------------------- SSgA Life SolutionsSM Balanced Growth Fund Investment Strategy: Seeks to provide capital appreciation and some income for stability. The Strategy seeks to closely match a composite benchmark comprised of the Lehman Brothers Aggregate Bond Index (40%), the Russell 3000 Index (50%), and the MSCI EAFE Index (10%). The investment management approach for the Fund has been modified to more closely track the fund’s respective performance benchmark indices and the investment manager may deviate from the fund’s target asset allocation mix. The Fund is a pre-mixed portfolio of commingled stock and bond funds. The average asset allocation for the fund is expected to be: U.S. Fixed Income = 40%; U.S. Stocks = 50%; Foreign Stocks = 10%. The Russell 3000 Index consists of the 3,000 largest U.S. stocks, as determined by total market capitalization, and represents approximately 98% of the investable U.S. equity market. The Morgan Stanley Capital International Europe, Australia, Far East (MSCI EAFE) Index represents more than 1,000 stocks traded on the major foreign developed markets, including Japan, the United Kingdom, France, and Germany. The MSCI EAFE Index represents approximately one-half of the world’s equity markets. The Lehman Brothers Aggregate Index is composed of investment grade corporate, government, and mortgage-backed bonds that have maturities greater than one year. Click here for additional fund information.
-------------------------------------------------------------------------------- SSgA Life SolutionsSM Growth Fund Investment Strategy: Seeks to provide capital appreciation. The Strategy seeks to closely match a composite benchmark comprised of the Lehman Brothers Aggregate Bond Index (20%), the Russell 3000 Index (65%), and the MSCI EAFE Index (15%). The investment management approach for the Fund has been modified to more closely track the fund’s respective performance benchmark indices and the investment manager may deviate from the fund’s target asset allocation mix. The Fund is a pre-mixed portfolio of commingled stock and bond funds. The average asset allocation for the Fund is expected to be: U.S. Fixed Income = 20%; U.S. Stocks = 65%; Foreign Stocks = 15%. The Russell 3000 Index consists of the 3,000 largest U.S. stocks, as determined by total market capitalization, and represents approximately 98% of the investable U.S. equity market. The Morgan Stanley Capital International Europe, Australia, Far East (MSCI EAFE) Index represents more than 1,000 stocks traded on the major foreign developed markets, including Japan, the United Kingdom, France, and Germany. The MSCI EAFE Index represents approximately one-half of the world’s equity markets. The Lehman Brothers Aggregate Index is composed of investment grade corporate, government, and mortgage-backed bonds that have maturities greater than one year. Click here for additional fund information.
-------------------------------------------------------------------------------- SSgA S&P® 500 Index Fund Investment Strategy: Seeks to provide returns that correspond to the total return of U.S. common stocks as represented by the Standard & Poor’s 500 Index. The fund invests in individual U.S. common stocks in identical proportions to the Standard & Poor’s 500 Index (equity index). The S&P 500 Index is an unmanaged index containing common stocks of 500 industrial, transportation, utility and financial companies, regarded as generally representative of the U.S. stock market. The index reflects the reinvestment of dividends, if any, and capital gain distributions, if any, but does not reflect fees, brokerage commissions, or other expenses of investing. This index is used for comparison purposes. It is not possible to invest in an index. Click here for additional fund information.
-------------------------------------------------------------------------------- Fidelity® Advisor Equity Income Fund - Class T Ticker: FEIRX Investment Strategy: The investment seeks a yield from dividend and interest income which exceeds the composite dividend yield on securities comprising the S&P 500 index. The fund normally invest at least 80% of assets in equity securities issued by domestic and foreign issuers, which tend to lead to investment in large cap "value" stocks. It will consider the potential for achieving capital appreciation, consistent with the primary objective of obtaining dividend and interest income. The fund may also invest in lower-quality debt securities. Click here to obtain a fund prospectus.
-------------------------------------------------------------------------------- Federated Capital Appreciation Fund - Class A Ticker: FEDEX Investment Strategy: The investment seeks capital appreciation. The fund normally invests primarily in common stock of companies of domestic companies with large and medium market capitalizations that offer superior growth prospects or of companies whose stock is undervalued. It may also invest in common stocks of foreign issuers (including American Depository Receipts (ADRs). Click here to obtain a fund prospectus.
-------------------------------------------------------------------------------- American Century Ultra® Fund - Class A Ticker: TWUAX Investment Strategy: The investment seeks long-term capital growth. The fund typically invests in stocks of companies they believe will increase in value over time. The portfolio managers use a variety of analytical research tools and techniques to identify the stocks of larger-sized companies that meet their investment criteria. It primarily consists of securities of companies whose earnings or revenues are not only growing, but growing at an accelerating pace. Click here to obtain a fund prospectus.
-------------------------------------------------------------------------------- Fidelity® Advisor Equity Growth Fund - Class T Ticker: FAEGX Investment Strategy: The investment seeks capital appreciation. The fund normally invests at least 80% of assets in equity securities of companies it believes have above-average growth potential. It primarily invests in common stock. The fund may invest in both domestic and foreign issuers. Click here to obtain a fund prospectus.
-------------------------------------------------------------------------------- Janus Adviser Forty Fund - Class S Ticker: JARTX Investment Strategy: The investment seeks long-term growth of capital. The fund invests primarily in a core group of 20-40 common stocks selected for their growth potential. It may invest in companies of any size, from larger, well-established companies to smaller, emerging growth companies. The fund may invest without limit in foreign equity and debt securities, which may include investments in emerging markets. It is nondiversified. A "nondiversified" fund has the ability to take larger positions in a smaller number of issuers than a "diversified" fund. Nondiversified funds may experience greater price volatility. Click here to obtain a fund prospectus.
-------------------------------------------------------------------------------- Wells Fargo Advantage Opportunity Fund - Class A Ticker: SOPVX Investment Strategy: The investment seeks long term capital appreciation. The fund invests principally in equity securities of medium-capitalization companies that believed to be under-priced yet have attractive growth prospects. It normally invests at least 80% of total assets in equity securities and up to 25% of assets in foreign securities. Investments in small and medium sized companies involve greater risk not associated with investments in larger, more established companies. The fund may invest up to 25% of its assets in foreign securities. Foreign investments may involve additional risks, including currency-rate fluctuation, political and economical instability, differences in financial reporting standards, and less-strict regulation of securities markets. Click here to obtain a fund prospectus.
-------------------------------------------------------------------------------- American Century Heritage Fund - Class A Ticker: ATHAX Investment Strategy: The investment seeks long-term capital growth. The fund primarily invests in companies with earnings and revenues that are growing at an accelerating pace. It normally invests in companies that are medium-sized or smaller at the time of purchase, although it may purchase companies of any size. The fund typically invests in common stocks, but can purchase other types of securities such as preferred stocks, non-leveraged stock index futures contracts and options, and debt securities. Investments in small and medium sized companies involve greater risk not associated with investments in larger, more established companies. Click here to obtain a fund prospectus.
-------------------------------------------------------------------------------- Janus Adviser Worldwide Fund - Class S Ticker: JWGRX Investment Strategy: The investment seeks long-term growth of capital in a manner consistent with the preservation of capital. The fund invests primarily in common stocks of companies of any size located throughout the world. It normally invests in issuers from several different countries, including the United States. The fund may invest in a single country and may have significant exposure to emerging markets. Foreign investments involve greater risks and potential rewards than U.S. investments. These risks include political and economic uncertainties of foreign countries, as well as the risk of currency fluctuations. Click here to obtain a fund prospectus.
-------------------------------------------------------------------------------- Oppenheimer Global Fund - Class A Ticker: OPPAX Investment Strategy: The investment seeks capital appreciation. The fund invests mainly in common stocks of U.S. and foreign companies without limit in any country, including countries with developed or emerging markets. It currently emphasizes its investments in developed markets such as the United States, Western European countries and Japan. The fund does not limit investments in a particular capitalization range, but primarily invests in mid- and large-cap companies. Foreign investments involve greater risks and potential rewards than U.S. investments. These risks include political and economic uncertainties of foreign countries, as well as the risk of currency fluctuations. Emerging markets securities are volatile. They are subject to substantial currency fluctuations and sudden economic and political developments. At times, the Fund may be unable to sell certain of its portfolio securities without a substantial drop in price, if at all. Click here to obtain a fund prospectus.
-------------------------------------------------------------------------------- T. Rowe Price Small-Cap Stock Fund - Advisor Class Ticker: PASSX Investment Strategy: The investment seeks to provide long-term capital growth. The fund will normally invest at least 80% of assets in stocks of small companies. The holdings will be widely diversified by industry and company. Under most circumstances, it will invest less than 1.5% of assets in any single company. While the fund invests most assets in U.S. common stocks, it may also purchase other securities including foreign stocks, futures, and options. Investments in the stocks of smaller companies are often associated with higher risks, including greater volatility than in stocks of larger companies. Click here to obtain a fund prospectus.
-------------------------------------------------------------------------------- AllianceBernstein Global Technology Fund - Class A Investment Strategy: The investment seeks long-term growth of capital. The fund invests at least 80% of assets in equity securities of companies expected to derive a substantial portion of their revenue from products and services in technology-related industries and/or to benefit from technological advances and improvements. It invests in about 40 to 70 companies from multiple technology-related industry segments, in an attempt to maximize opportunity and reduce risk. The fund invests in a global portfolio of securities issued by U.S. and non-U.S. companies selected for their capital appreciation potential. Investments in small and medium sized companies involve greater risk not associated with investments in larger, more established companies. The AllianceBerstein Technology Fund can invest in foreign securities that may include certain types of investment derivatives, such as options, futures, and swaps. These investments involve certain risks different from, and in some cases, greater than, the risks presented by more traditional investments.
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