If you will live for X years after retirement and the estimated return for your investment portfolio is 5% annually at that time, how will you decide your retirement plan? You should first think about...

If you will live for X years after retirement and the estimated return for your investment portfolio is 5% annually at that time, how will you decide your retirement plan? You should first think about how many years you will live, how much money you will spend yearly after retirement, and how your investment style is, such as risk averse or risk taking. Then, you set your investment objective and decide your retirement age. Finally, try to form your portfolio by selecting funds from either “Fidelity 401(k) plan” or “Hines 401(k) plan” and allocating your assets, and to evaluate your possible returns and risk. There are no fixed rules for the choice of your portfolio. However, you will not benefit by only investing in one or two funds.

Will your portfolio achieve your target by the age of retirement?

If you will live for X years after retirement and the estimated return for your investment portfolio is 5% annually at that time, how will you decide your retirement plan? You should first think about how many years you will live, how much money you will spend yearly after retirement, and how your investment style is, such as risk averse or risk taking. Then, you set your investment objective and decide your retirement age. Finally, try to form your portfolio by selecting funds from either “Fidelity 401(k) plan” or “Hines 401(k) plan” and allocating your assets, and to evaluate your possible returns and risk. There are no fixed rules for the choice of your portfolio. However, you will not benefit by only investing in one or two funds. Will your portfolio achieve your target by the age of retirement? Name/Inception Date Asset Class Category 1 Year 3 Year 5 Year 10 Year Returns As Of FID 500 INDEX (FXAIX) 02/17/1988 Stock Investments Large Cap 12.83% 10.22% 9.86% 13.14% 05/31/2020 FID BLUE CHIP GR (FBGRX) 12/31/1987 Stock Investments Large Cap 31.09% 18.97% 15.34% 17.01% 05/31/2020 FID BLUE CHIP VALUE (FBCVX) 06/17/2003 Stock Investments Large Cap -9.00% -0.88% 1.20% 6.98% 05/31/2020 FID CAPITAL APPREC (FDCAX) 11/26/1986 Stock Investments Large Cap 17.96% 12.40% 9.05% 12.85% 05/31/2020 FID CONTRAFUND (FCNTX) 05/17/1967 Stock Investments Large Cap 20.85% 14.74% 13.08% 14.73% 05/31/2020 FID DISCIPLND EQTY (FDEQX) 12/28/1988 Stock Investments Large Cap 21.89% 11.38% 8.79% 11.63% 05/31/2020 FID DIVIDEND GR (FDGFX) 04/27/1993 Stock Investments Large Cap -2.24% 3.21% 4.05% 9.30% 05/31/2020 FID EQ DIV INCOME (FEQTX) 08/21/1990 Stock Investments Large Cap -0.58% 2.52% 4.31% 8.76% 05/31/2020 FID EQUITY INC (FEQIX) 05/16/1966 Stock Investments Large Cap 2.80% 4.22% 5.21% 9.04% 05/31/2020 FID EXPORT & MULTI (FEXPX) 10/04/1994 Stock Investments Large Cap -5.93% 1.89% 3.58% 8.45% 05/31/2020 FID FIDELITY FUND (FFIDX) 04/30/1930 Stock Investments Large Cap 24.87% 14.31% 10.91% 13.05% 05/31/2020 FID FOCUSED STOCK (FTQGX) 11/12/1996 Stock Investments Large Cap 20.60% 19.22% 13.56% 15.40% 05/31/2020 FID GROWTH & INC (FGRIX) 12/30/1985 Stock Investments Large Cap 3.81% 4.96% 5.69% 11.01% 05/31/2020 FID GROWTH COMPANY (FDGRX) 01/17/1983 Stock Investments Large Cap 39.18% 20.74% 17.15% 18.31% 05/31/2020 FID GROWTH DISC (FDSVX) 03/31/1998 Stock Investments Large Cap 26.11% 17.02% 14.53% 16.15% 05/31/2020 https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20500%20INDEX https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20500%20INDEX https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20BLUE%20CHIP%20GR https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20BLUE%20CHIP%20GR https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20BLUE%20CHIP%20VALUE https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20BLUE%20CHIP%20VALUE https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20CAPITAL%20APPREC https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20CAPITAL%20APPREC https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20CONTRAFUND https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20CONTRAFUND https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20DISCIPLND%20EQTY https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20DISCIPLND%20EQTY https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20DIVIDEND%20GR https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20DIVIDEND%20GR https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20EQ%20DIV%20INCOME https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20EQ%20DIV%20INCOME https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20EQUITY%20INC https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20EQUITY%20INC https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20EXPORT%20&%20MULTI https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20EXPORT%20&%20MULTI https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20FIDELITY%20FUND https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20FIDELITY%20FUND https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20FOCUSED%20STOCK https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20FOCUSED%20STOCK https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20GROWTH%20&%20INC https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20GROWTH%20&%20INC https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20GROWTH%20COMPANY https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20GROWTH%20COMPANY https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20GROWTH%20DISC https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20GROWTH%20DISC Name/Inception Date Asset Class Category 1 Year 3 Year 5 Year 10 Year Returns As Of FID INDEPENDENCE (FDFFX) 03/25/1983 Stock Investments Large Cap 20.75% 13.66% 8.57% 12.65% 05/31/2020 FID LARGE CAP STOCK (FLCSX) 06/22/1995 Stock Investments Large Cap 3.17% 5.07% 5.60% 11.40% 05/31/2020 FID LC CORE ENH INDX (FLCEX) 04/19/2007 Stock Investments Large Cap 12.62% 10.32% 8.95% 12.83% 05/31/2020 FID LC GRO ENH INDX (FLGEX) 04/19/2007 Stock Investments Large Cap 24.27% 15.32% 12.44% 15.01% 05/31/2020 FID LC VAL ENH INDX (FLVEX) 04/19/2007 Stock Investments Large Cap -1.18% 3.30% 4.52% 10.28% 05/31/2020 FID MAGELLAN (FMAGX) 05/02/1963 Stock Investments Large Cap 20.67% 14.08% 11.28% 12.72% 05/31/2020 FID MEGA CAP STOCK (FGRTX) 12/28/1998 Stock Investments Large Cap 5.71% 6.30% 6.49% 11.65% 05/31/2020 FID NASDAQ COMP INDX (FNCMX) 09/25/2003 Stock Investments Large Cap 28.38% 16.18% 14.42% 16.57% 05/31/2020 FID NEW MILLEN (FMILX) 12/28/1992 Stock Investments Large Cap -4.87% 3.63% 4.86% 10.34% 05/31/2020 FID OTC PORTFOLIO (FOCPX) 12/31/1984 Stock Investments Large Cap 30.42% 17.63% 16.24% 17.86% 05/31/2020 FID STK SEL ALL CAP (FDSSX) 09/28/1990 Stock Investments Large Cap 14.67% 9.57% 8.80% 12.40% 05/31/2020 FID STKSEL LGCAP VAL (FSLVX) 11/15/2001 Stock Investments Large Cap -3.41% 1.20% 2.90% 8.55% 05/31/2020 FID TOTAL MKT IDX (FSKAX) 11/05/1997 Stock Investments Large Cap 11.32% 9.49% 9.12% 12.78% 05/31/2020 FID TREND (FTRNX) 06/16/1958 Stock Investments Large Cap 28.01% 17.60% 14.31% 15.95% 05/31/2020 FID US SUSTN IDX (FITLX) 05/09/2017 Stock Investments Large Cap 14.46% 11.13% N/A 11.28% 05/31/2020 https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20INDEPENDENCE https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20INDEPENDENCE https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20LARGE%20CAP%20STOCK https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20LARGE%20CAP%20STOCK https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20LC%20CORE%20ENH%20INDX https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20LC%20CORE%20ENH%20INDX https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20LC%20GRO%20ENH%20INDX https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20LC%20GRO%20ENH%20INDX https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20LC%20VAL%20ENH%20INDX https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20LC%20VAL%20ENH%20INDX https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20MAGELLAN https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20MAGELLAN https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20MEGA%20CAP%20STOCK https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20MEGA%20CAP%20STOCK https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20NASDAQ%20COMP%20INDX https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20NASDAQ%20COMP%20INDX https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20NEW%20MILLEN https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20NEW%20MILLEN https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20OTC%20PORTFOLIO https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20OTC%20PORTFOLIO https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20STK%20SEL%20ALL%20CAP https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20STK%20SEL%20ALL%20CAP https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20STKSEL%20LGCAP%20VAL https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20STKSEL%20LGCAP%20VAL https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20TOTAL%20MKT%20IDX https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20TOTAL%20MKT%20IDX https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20TREND https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20TREND https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20US%20SUSTN%20IDX https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20US%20SUSTN%20IDX Name/Inception Date Asset Class Category 1 Year 3 Year 5 Year 10 Year Returns As Of FID VALUE DISCOV (FVDFX) 12/10/2002 Stock Investments Large Cap -1.28% 1.80% 3.30% 9.38% 05/31/2020 FID EXTD MKT IDX (FSMAX) 11/05/1997 Stock Investments Mid-Cap 3.81% 5.84% 5.75% 11.07% 05/31/2020 FID GROWTH STRAT (FDEGX) 12/28/1990 Stock Investments Mid-Cap 20.13% 12.72% 9.25% 12.59% 05/31/2020 FID LEVERGD CO STK (FLVCX) 12/19/2000 Stock Investments Mid-Cap 3.96% 3.98% 2.86% 9.14% 05/31/2020 FID LOW PRICED STK (FLPSX) 12/27/1989 Stock Investments Mid-Cap -0.53% 2.19% 3.31% 9.57% 05/31/2020 FID MID CAP ENH INDX (FMEIX) 12/20/2007 Stock Investments Mid-Cap 1.98% 3.95% 4.51% 11.02% 05/31/2020 FID MID CAP IDX (FSMDX) 09/08/2011 Stock Investments Mid-Cap 2.65% 5.52% 5.94% 11.58% 05/31/2020 FID MID CAP STOCK (FMCSX) 03/29/1994 Stock Investments Mid-Cap -3.76% 3.76% 4.69% 9.92% 05/31/2020 FID MID CAP VALUE (FSMVX) 11/15/2001 Stock Investments Mid-Cap -6.38% -3.39% -0.86% 8.21% 05/31/2020 FID SEL CHEMICALS (FSCHX) 07/29/1985 Stock Investments Mid-Cap -2.16% -3.53% 1.07% 10.21% 05/31/2020 FID SEL IT SERVICES (FBSOX) 02/04/1998 Stock Investments Mid-Cap 16.91% 21.95% 17.30% 19.72% 05/31/2020 FID STK SEL MID CAP (FSSMX) 02/20/1996 Stock Investments Mid-Cap -4.09% 3.13% 3.94% 9.78% 05/31/2020 FID VALUE (FDVLX) 12/01/1978 Stock Investments Mid-Cap -8.99% -3.04% -0.18% 7.94% 05/31/2020 FID VALUE STRAT (FSLSX) 12/31/1983 Stock Investments Mid-Cap -7.67% -0.85% 1.02% 7.83% 05/31/2020 FID SM CAP DISCOVERY (FSCRX) 09/26/2000 Stock Investments Small Cap -7.99% -1.97% 0.73% 8.84% 05/31/2020 https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20VALUE%20DISCOV https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20VALUE%20DISCOV https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20EXTD%20MKT%20IDX https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20EXTD%20MKT%20IDX https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20GROWTH%20STRAT https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20GROWTH%20STRAT https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20LEVERGD%20CO%20STK https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20LEVERGD%20CO%20STK https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20LOW%20PRICED%20STK https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20LOW%20PRICED%20STK https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20MID%20CAP%20ENH%20INDX https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20MID%20CAP%20ENH%20INDX https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20MID%20CAP%20IDX https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20MID%20CAP%20IDX https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20MID%20CAP%20STOCK https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20MID%20CAP%20STOCK https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20MID%20CAP%20VALUE https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20MID%20CAP%20VALUE https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20SEL%20CHEMICALS https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20SEL%20CHEMICALS https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20SEL%20IT%20SERVICES https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20SEL%20IT%20SERVICES https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20STK%20SEL%20MID%20CAP https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20STK%20SEL%20MID%20CAP https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20VALUE https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20VALUE https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20VALUE%20STRAT https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20VALUE%20STRAT https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20SM%20CAP%20DISCOVERY https://workplaceservices.fidelity.com/mybenefits/definedcontributions/navigation/dc2/inqFundPerformance#atrFID%20SM%20CAP%20DISCOVERY Name/Inception Date Asset Class Category 1 Year 3 Year 5 Year 10 Year Returns As Of FID SM CAP ENH INDX (FCPEX) 12/20/2007 Stock Investments Small Cap -5.15% -1.03% 1.45% 8.99% 05/31/2020 FID SM CAP IDX (FSSNX) 09/08/2011 Stock Investments Small Cap -3.29%