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?

Name/Inception Date Asset Class Category Expense Ratio FID 500 INDEX (FXAIX) 02/17/1988   Stock Investments Large Cap 0.015% FID BLUE CHIP GR (FBGRX) 12/31/1987   Stock Investments Large Cap 0.8% FID BLUE CHIP VALUE (FBCVX) 06/17/2003   Stock Investments Large Cap 0.65% FID CAPITAL APPREC (FDCAX) 11/26/1986   Stock Investments Large Cap 0.62% FID CONTRAFUND (FCNTX) 05/17/1967   Stock Investments Large Cap 0.85% FID DISCIPLND EQTY (FDEQX) 12/28/1988   Stock Investments Large Cap 0.51% FID DIVIDEND GR (FDGFX) 04/27/1993   Stock Investments Large Cap 0.5% FID EQ DIV INCOME (FEQTX) 08/21/1990   Stock Investments Large Cap 0.6% FID EQUITY INC (FEQIX) 05/16/1966   Stock Investments Large Cap 0.6% FID EXPORT & MULTI (FEXPX) 10/04/1994   Stock Investments Large Cap 0.74% FID FIDELITY FUND (FFIDX) 04/30/1930   Stock Investments Large Cap 0.5% FID FOCUSED STOCK (FTQGX) 11/12/1996   Stock Investments Large Cap 0.89% FID GROWTH & INC (FGRIX) 12/30/1985   Stock Investments Large Cap 0.61% FID GROWTH COMPANY (FDGRX) 01/17/1983   Stock Investments Large Cap 0.83% FID GROWTH DISC (FDSVX) 03/31/1998   Stock Investments Large Cap 0.77% FID INDEPENDENCE (FDFFX) 03/25/1983   Stock Investments Large Cap 0.67% FID LARGE CAP STOCK (FLCSX) 06/22/1995   Stock Investments Large Cap 0.63% FID LC CORE ENH INDX (FLCEX) 04/19/2007   Stock Investments Large Cap 0.39% FID LC GRO ENH INDX (FLGEX) 04/19/2007   Stock Investments Large Cap 0.39% FID LC VAL ENH INDX (FLVEX) 04/19/2007   Stock Investments Large Cap 0.39% FID MAGELLAN (FMAGX) 05/02/1963   Stock Investments Large Cap 0.77% FID MEGA CAP STOCK (FGRTX) 12/28/1998   Stock Investments Large Cap 0.65% FID NASDAQ COMP INDX (FNCMX) 09/25/2003   Stock Investments Large Cap 0.36% FID NEW MILLEN (FMILX) 12/28/1992   Stock Investments Large Cap 0.69% FID OTC PORTFOLIO (FOCPX) 12/31/1984   Stock Investments Large Cap 0.89% FID STK SEL ALL CAP (FDSSX) 09/28/1990   Stock Investments Large Cap 0.65% FID STKSEL LGCAP VAL (FSLVX) 11/15/2001   Stock Investments Large Cap 0.64% FID TOTAL MKT IDX (FSKAX) 11/05/1997   Stock Investments Large Cap 0.015% FID TREND (FTRNX) 06/16/1958   Stock Investments Large Cap 0.64% FID US SUSTN IDX (FITLX) 05/09/2017   Stock Investments Large Cap 0.11% FID VALUE DISCOV (FVDFX) 12/10/2002   Stock Investments Large Cap 0.6% FID EXTD MKT IDX (FSMAX) 11/05/1997   Stock Investments Mid-Cap 0.036% FID GROWTH STRAT (FDEGX) 12/28/1990   Stock Investments Mid-Cap 0.56% FID LEVERGD CO STK (FLVCX) 12/19/2000   Stock Investments Mid-Cap 0.78% FID LOW PRICED STK (FLPSX) 12/27/1989   Stock Investments Mid-Cap 0.52% FID MID CAP ENH INDX (FMEIX) 12/20/2007   Stock Investments Mid-Cap 0.59% FID MID CAP IDX (FSMDX) 09/08/2011   Stock Investments Mid-Cap 0.025% FID MID CAP STOCK (FMCSX) 03/29/1994   Stock Investments Mid-Cap 0.73% FID MID CAP VALUE (FSMVX) 11/15/2001   Stock Investments Mid-Cap 0.46% FID SEL CHEMICALS (FSCHX) 07/29/1985   Stock Investments Mid-Cap 0.78% FID SEL IT SERVICES (FBSOX) 02/04/1998   Stock Investments Mid-Cap 0.73% FID STK SEL MID CAP (FSSMX) 02/20/1996   Stock Investments Mid-Cap 0.94% FID VALUE (FDVLX) 12/01/1978   Stock Investments Mid-Cap 0.58% FID VALUE STRAT (FSLSX) 12/31/1983   Stock Investments Mid-Cap 0.74% FID SM CAP DISCOVERY (FSCRX) 09/26/2000   Stock Investments Small Cap 0.61% FID SM CAP ENH INDX (FCPEX) 12/20/2007   Stock Investments Small Cap 0.64% FID SM CAP IDX (FSSNX) 09/08/2011   Stock Investments Small Cap 0.025% FID SMALL CAP GROWTH (FCPGX) 11/03/2004   Stock Investments Small Cap 1.05% FID SMALL CAP STOCK (FSLCX) 03/12/1998   Stock Investments Small Cap 0.67% FID SMALL CAP VALUE (FCPVX) 11/03/2004   Stock Investments Small Cap 0.66% FID STK SEL SM CAP (FDSCX) 06/28/1993   Stock Investments Small Cap 0.75% FID CANADA (FICDX) 11/17/1987   Stock Investments International 0.88% FID CHINA REGION (FHKCX) 11/01/1995   Stock Investments International 0.95% FID DIVERSIFD INTL (FDIVX) 12/27/1991   Stock Investments International 0.75% FID EMEA (FEMEX) 05/08/2008   Stock Investments International 1.31% FID EMERG MKTS DISC (FEDDX) 11/01/2011   Stock Investments International 1.25% FID EMERGING ASIA (FSEAX) 04/19/1993   Stock Investments International 1.11% FID EMERGING MKTS (FEMKX) 11/01/1990   Stock Investments International 0.94% FID EMRG MKTS IDX (FPADX) 09/08/2011   Stock Investments International 0.076% FID EUROPE (FIEUX) 10/01/1986   Stock Investments International 0.78% FID GLB EX US IDX (FSGGX) 09/08/2011   Stock Investments International 0.056% FID GLOBAL EQ INCOME (FGILX) 05/02/2012   Stock Investments International 1.09% FID INTL CAP APPREC (FIVFX) 11/01/1994   Stock Investments International 1.01% FID INTL DISCOVERY (FIGRX) 12/31/1986   Stock Investments International 0.78% FID INTL ENH INDEX (FIENX) 12/20/2007   Stock Investments International 0.59% FID INTL GROWTH (FIGFX) 11/01/2007   Stock Investments International 0.99% FID INTL INDEX (FSPSX) 11/05/1997   Stock Investments International 0.035% FID INTL SM CAP OPP (FSCOX) 08/02/2005   Stock Investments International 1.21% FID INTL SMALL CAP (FISMX) 09/18/2002   Stock Investments International 1.19% FID INTL SUSTN IDX (FNIDX) 05/09/2017   Stock Investments International 0.2% FID INTL VALUE (FIVLX) 05/18/2006   Stock Investments International 0.79% FID JAPAN (FJPNX) 09/15/1992   Stock Investments International 1.01% FID JAPAN SMALL CO (FJSCX) 11/01/1995   Stock Investments International 0.94% FID LATIN AMERICA (FLATX) 04/19/1993   Stock Investments International 1.05% FID NORDIC (FNORX) 11/01/1995   Stock Investments International 0.98% FID OVERSEAS (FOSFX) 12/04/1984   Stock Investments International 0.9% FID PACIFIC BASIN (FPBFX) 10/01/1986   Stock Investments International 0.97% FID TOTAL EMERG MKTS (FTEMX) 11/01/2011   Stock Investments International 1.14% FID TOTAL INTL EQ (FTIEX) 11/01/2007   Stock Investments International 1.2% FID WORLDWIDE (FWWFX) 05/30/1990   Stock Investments International 0.99% FID GLB COMDTY STK (FFGCX) 03/25/2009   Stock Investments Specialty 1.06% FID INTL REAL ESTATE (FIREX) 09/08/2004   Stock Investments Specialty 1.02% FID REAL ESTATE IDX (FSRNX) 09/08/2011   Stock Investments Specialty 0.07% FID REAL ESTATE INC (FRIFX) 02/04/2003   Stock Investments Specialty 0.75% FID REAL ESTATE INVS (FRESX) 11/17/1986   Stock Investments Specialty 0.74% FID SEL AIR TRANSPRT (FSAIX) 12/16/1985   Stock Investments Specialty 0.81% FID SEL AUTOMOTIVE (FSAVX) 06/30/1986   Stock Investments Specialty 1% FID SEL BANKING (FSRBX) 06/30/1986   Stock Investments Specialty 0.77% FID SEL BIOTECH (FBIOX) 12/16/1985   Stock Investments Specialty 0.72% FID SEL BROKERAGE (FSLBX) 07/29/1985   Stock Investments Specialty 0.77% FID SEL COMM EQUIP (FSDCX) 06/29/1990   Stock Investments Specialty 0.83% FID SEL COMM SERV (FBMPX) 06/30/1986   Stock Investments Specialty 0.78% FID SEL COMPUTERS (FDCPX) 07/29/1985   Stock Investments Specialty 0.76% FID SEL CONS DISCR (FSCPX) 06/29/1990   Stock Investments Specialty 0.76% FID SEL CONS STAPLES (FDFAX) 07/29/1985   Stock Investments Specialty 0.75% FID SEL CONSTR/HOUSE (FSHOX) 09/29/1986   Stock Investments Specialty 0.79% FID SEL CONSUMER FIN (FSVLX) 12/16/1985   Stock Investments Specialty 0.86% FID SEL DEFENSE (FSDAX) 05/08/1984   Stock Investments Specialty 0.75% FID SEL ENERGY (FSENX) 07/14/1981   Stock Investments Specialty 0.81% FID SEL ENERGY SVCS (FSESX) 12/16/1985   Stock Investments Specialty 0.9% FID SEL ENV ALT ENGY (FSLEX) 06/29/1989   Stock Investments Specialty 0.85% FID SEL FINANCIAL (FIDSX) 12/10/1981   Stock Investments Specialty 0.77% FID SEL GOLD (FSAGX) 12/16/1985   Stock Investments Specialty 0.79% FID SEL HEALTHCARE (FSPHX) 07/14/1981   Stock Investments Specialty 0.7% FID SEL HTH CARE SVC (FSHCX) 06/30/1986   Stock Investments Specialty 0.75% FID SEL INDUSTRIALS (FCYIX) 03/03/1997   Stock Investments Specialty 0.76% FID SEL INSURANCE (FSPCX) 12/16/1985   Stock Investments Specialty 0.81% FID SEL LEISURE (FDLSX) 05/08/1984   Stock Investments Specialty 0.76% FID SEL MATERIALS (FSDPX) 09/29/1986   Stock Investments Specialty 0.8% FID SEL MED TECH&DV (FSMEX) 04/28/1998   Stock Investments Specialty 0.71% FID SEL NATURAL GAS (FSNGX) 04/21/1993   Stock Investments Specialty 0.93% FID SEL NATURAL RES (FNARX) 03/03/1997   Stock Investments Specialty 0.84% FID SEL PHARMACEUTCL (FPHAX) 06/18/2001   Stock Investments Specialty 0.78% FID SEL RETAILING (FSRPX) 12/16/1985   Stock Investments Specialty 0.74% FID SEL SEMICONDUCT (FSELX) 07/29/1985   Stock Investments Specialty 0.72% FID SEL SOFTWARE (FSCSX) 07/29/1985   Stock Investments Specialty 0.71% FID SEL TECHNOLOGY (FSPTX) 07/14/1981   Stock Investments Specialty 0.71% FID SEL TELECOMM (FSTCX) 07/29/1985   Stock Investments Specialty 0.83% FID SEL TRANSPORT (FSRFX) 09/29/1986   Stock Investments Specialty 0.79% FID SEL UTILITIES (FSUTX) 12/10/1981   Stock Investments Specialty 0.75% FID SEL WIRELESS (FWRLX) 09/21/2000   Stock Investments Specialty 0.81% FID TELECOM & UTIL (FIUIX) 11/27/1987   Stock Investments Specialty 0.75% FID ASSET MGR 85% (FAMRX) 09/24/1999   Blended Investments* Large Cap 0.74% FID STRAT DIV & INC (FSDIX) 12/23/2003   Blended Investments* Large Cap 0.71% FID CONVERTIBLE SEC (FCVSX) 01/05/1987   Blended Investments* Other 0.51% FID ASSET MGR 20% (FASIX) 10/01/1992   Blended Investments* N/A 0.53% FID ASSET MGR 30% (FTANX) 10/09/2007   Blended Investments* N/A 0.55% FID ASSET MGR 40% (FFANX) 10/09/2007   Blended Investments* N/A 0.54% FID ASSET MGR 50% (FASMX) 12/28/1988   Blended Investments* N/A 0.66% FID ASSET MGR 60% (FSANX) 10/09/2007   Blended Investments* N/A 0.73% FID ASSET MGR 70% (FASGX) 12/30/1991   Blended Investments* N/A 0.72% FID BALANCED (FBALX) 11/06/1986   Blended Investments* N/A 0.53% FID FDM IDX 2005 INV (FJIFX) 10/02/2009   Blended Investments* N/A 0.12% FID FDM IDX 2010 INV (FKIFX) 10/02/2009   Blended Investments* N/A 0.12% FID FDM IDX 2015 INV (FLIFX) 10/02/2009   Blended Investments* N/A 0.12% FID FDM IDX 2020 INV (FPIFX) 10/02/2009   Blended Investments* N/A 0.12% FID FDM IDX 2025 INV (FQIFX) 10/02/2009   Blended Investments* N/A 0.12% FID FDM IDX 2030 INV (FXIFX) 10/02/2009   Blended Investments* N/A 0.12% FID FDM IDX 2035 INV (FIHFX) 10/02/2009   Blended Investments* N/A 0.12% FID FDM IDX 2040 INV (FBIFX) 10/02/2009   Blended Investments* N/A 0.12% FID FDM IDX 2045 INV (FIOFX) 10/02/2009   Blended Investments* N/A 0.12% FID FDM IDX 2050 INV (FIPFX) 10/02/2009   Blended Investments* N/A 0.12% FID FDM IDX 2055 INV (FDEWX) 06/01/2011   Blended Investments* N/A 0.12% FID FDM IDX 2060 INV (FDKLX) 08/05/2014   Blended Investments* N/A 0.12% FID FDM IDX 2065 INV (FFIJX) 06/28/2019   Blended Investments* N/A 0.12% FID FDM IDX INC INV (FIKFX) 10/02/2009   Blended Investments* N/A 0.12% FID FOUR IN ONE IDX (FFNOX) 06/29/1999   Blended Investments* N/A 0.13% FID FREEDOM 2005 (FFFVX) 11/06/2003   Blended Investments* N/A 0.47% FID FREEDOM 2010 (FFFCX) 10/17/1996   Blended Investments* N/A 0.51% FID FREEDOM 2015 (FFVFX) 11/06/2003   Blended Investments* N/A 0.55% FID FREEDOM 2020 (FFFDX) 10/17/1996   Blended Investments* N/A 0.6% FID FREEDOM 2025 (FFTWX) 11/06/2003   Blended Investments* N/A 0.64% FID FREEDOM 2030 (FFFEX) 10/17/1996   Blended Investments* N/A 0.68% FID FREEDOM 2035 (FFTHX) 11/06/2003   Blended Investments* N/A 0.72% FID FREEDOM 2040 (FFFFX) 09/06/2000