IBM 401 (K) PLUS PLAN Investment Options

Available Funds in IBM 401 (K) PLUS PLAN

Below is the lineup of investment options available to participants in IBM 401 (K) PLUS PLAN. This typically includes a mix of mutual funds, index funds, and collective investment trusts (CITs) — which are pooled investment vehicles custom-built for large retirement plans, often with lower expense ratios than their retail mutual fund equivalents.

When evaluating these options, focus on expense ratios (lower is better), asset class coverage (U.S. stocks, international stocks, bonds, and stable value), and whether low-cost index funds are available. Research consistently shows that low-cost, broadly diversified index funds outperform most actively managed funds over the long term.

Total Available Funds: 196
Asset Class Ticker Description
Others
Target Date 2000-2010 VTOVX TARGET DATE – 2005
ROOT CASH INTEREST INCOME FUND
Moderate Allocation DODBX DODGE & COX BALANCED
Convertibles FCVSX FID CONVERTIBLE SEC
Retirement Income FFKAX FID FREEDOM K INCOME
Target Date 2000-2010 FFKCX FID FREEDOM K 2010
Target Date 2016-2020 FFKDX FID FREEDOM K 2020
Target Date 2026-2030 FFKEX FID FREEDOM K 2030
Target Date 2036-2040 FFKFX FID FREEDOM K 2040
Target Date 2041-2045 FFKGX FID FREEDOM K 2045
Target Date 2046-2050 FFKHX FID FREEDOM K 2050
Target Date 2000-2010 FFKVX FID FREEDOM K 2005
World Allocation FGBLX FID GLOBAL BALANCED
Target Date 2031-2035 FKTHX FID FREEDOM K 2035
Target Date 2021-2025 FKTWX FID FREEDOM K 2025
Target Date 2011-2015 FKVFX FID FREEDOM K 2015
not found no ticker IBM STOCK
World Allocation PAAIX PIM ALL ASSET INST
Moderate Allocation VAAPX MODERATE LS
Aggressive Allocation VBINX AGGRESSIVE LS
Convertibles VCVSX VANG CONVERTIBLE SEC
Target Date 2046-2050 VFIFX TARGET DATE – 2050
Target Date 2046-2050 VFIFX VANG TARGET RET 2050
Target Date 2036-2040 VFORX TARGET DATE – 2040
Target Date 2036-2040 VFORX VANG TARGET RET 2040
Moderate Allocation VGSTX VANG STAR
Target Date 2000-2010 VTENX TARGET DATE – 2010
Target Date 2000-2010 VTENX VANG TARGET RET 2010
Target Date 2026-2030 VTHRX TARGET DATE – 2030
Target Date 2026-2030 VTHRX VANG TARGET RET 2030
Retirement Income VTINX VANG TARGET RET INC
Target Date 2041-2045 VTIVX VANG TARGET DATE – 2045
Target Date 2041-2045 VTIVX VANG TARGET RET 2045
Target Date 2031-2035 VTTHX TARGET DATE – 2035
Target Date 2031-2035 VTTHX VANG TARGET RET 2035
Target Date 2021-2025 VTTVX TARGET DATE – 2025
Target Date 2021-2025 VTTVX VANG TARGET RET 2025
Target Date 2016-2020 VTWNX TARGET DATE – 2020
Target Date 2016-2020 VTWNX VANG TARGET RET 2020
Target Date 2011-2015 VTXVX TARGET DATE – 2015
Target Date 2011-2015 VTXVX VANG TARGET RET 2015
Moderate Allocation VWENX VANG WELLINGTON ADM
Conservative Allocation VWIAX VANG WELLESLEY ADM
Conservative Allocation VWINX CONSERVATIVE LS
Moderate Allocation RBAGX AF BALANCED R6
Moderate Allocation FBAKX FID BALANCED K
Target Date 2000-2010 FFKBX FID FREEDOM K 2000
World Allocation PAUIX PIM ALL A ALL AUTH I
Nontraditional Bond PFIUX PIM UNCONSTRNED BD I
FIXED INCOME
WORLD BOND BEGBX AF HI YLD EMG MKT BOND
Intermediate-Term Bond DODIX DODGE & COX INCOME
High Yield Bond FAGIX FID CAPITAL & INCOME
Bank Loan FFRHX FID FLOAT RT HI INC
SHORT GOVERNMENT FFXSX FID INST SH INT GOVT
Intermediate Government FGMNX FID GNMA
Intermediate Government FGOVX FIDELITY GOVT INCOME
Emerging Markets Bond FNMIX FID NEW MARKETS INC
Multisector Bond FSICX FID STRATEGIC INCOME
Intermediate Government PDMIX PIM GNMA INST
Emerging Markets Bond PEBIX PIM EM MKTS BD INST
Emerging Markets Bond PELBX PIM EM LOCAL BD INST
WORLD BOND PFORX PIM FOR BD US$HG I
WORLD BOND PFUIX PIM FOR BD UNHG INST
LONG GOVERNMENT PGOVX PIM LT US GOVT INST
High Yield Bond PHIYX PIM HIGH YIELD INST
Intermediate-Term Bond PIGIX PIM INVT GRD BD INST
WORLD BOND PIGLX PIM GLOB BD UNHG I
Inflation-Protected Bond PRAIX PIM RL RT ASSET INST
Inflation-Protected Bond PRRIX PIM REAL RETURN INST
Short-Term Bond PTLDX PIM LOW DUR INST
Intermediate-Term Bond PTRIX PIM MORTGAGE BCKD IS
Intermediate-Term Bond PTSAX PIM TOT RT III INST
Intermediate-Term Bond PTTRX PIM TOTAL RT INST
WORLD BOND RCWGX AF CAP WORLD BOND R6
High Yield Bond SPHIX FID HIGH INCOME
Intermediate-Term Bond VBIMX VANG INTM BOND INST
Short-Term Bond VBITX VANG ST BOND IDX IS
Long-Term Bond VBLTX LONG-TERM CORP BOND
Intermediate-Term Bond VBMFX TOTAL BOND MARKET
Intermediate Government VFIUX VANG INTM TREAS ADM
Inflation-Protected Bond VIPIX VANG INFL PROT INST
Inflation-Protected Bond VIPSX INFL PROTECTED BOND
LONG GOVERNMENT VUSUX VANG LT TREASURY ADM
High Yield Bond VWEAX VANG HI YLD CORP ADM
Intermediate-Term Bond WIPIX INCOME PLUS LS
Inflation-Protected Bond FINPX FID INFLAT PROT BOND
Intermediate-Term Bond FTHRX FID INTERMED BOND
Intermediate Government FSTGX FID INTM GOVT INCOME
Short-Term Bond FSHBX FID SHORT TERM BOND
Intermediate-Term Bond FTBFX FID TOTAL BOND
Multisector Bond PDIIX PIM DIVERS INC INST
Short-Term Bond PLDIX PIM LOW DUR III INST
Intermediate-Term Bond PMDRX PIM MOD DURAT INST
Intermediate Government VFIJX VANG GNMA ADM
Intermediate-Term Bond VFICX VANG INTM INV GR ADM
Long-Term Bond VBLTX VANG LT BOND IDX IS
Long-Term Bond VWETX VANG LT INV GR ADM
SHORT GOVERNMENT VSGDX VANG ST FEDERAL ADM
Short-Term Bond VFSTX VANG ST INV GR ADM
SHORT GOVERNMENT VFIRX VANG ST TREASURY ADM
Emerging Market
DIVERSIFIED EMERGING MKTS DFEVX DFA EMERG MKTS VAL I
China Region FHKCX FID CHINA REGION
Latin America Stock FLATX FID LATIN AMERICA
DIVERSIFIED EMERGING MKTS RNWGX AF NEW WORLD R6
DIVERSIFIED EMERGING MKTS VEIEX EMERGING MKT STK IDX
DIVERSIFIED EMERGING MKTS DFEMX DFA EMERGING MKTS I
INTERNATIONAL EQUITY
Foreign Small/Mid Blend DFISX DFA INTL SMALL CO I
Foreign Large Blend DODFX DODGE & COX INTL STK
WORLD STOCK DODWX DODGE & COX GLOBAL
Foreign Large Blend FDIKX FID DIVERSIFD INTL K
Foreign Large Growth FICDX FID CANADA
FOREIGN SMALL/MID GROWTH FISMX FID INTL SMALL CAP
DIVERSIFIED PACIFIC/ASIA FPBFX FID PACIFIC BASIN
PACIFIC/ASIA EX-JAPAN STK FSEAX FID EMERGING ASIA
Foreign Large Blend RERGX AF EUROPAC GROWTH R6
WORLD STOCK RLLGX AF SMALLCAP WORLD R6
WORLD STOCK RNPGX AF NEW PERSPECT R6
WORLD STOCK RWIGX AF CAP WORLD G&I R6
EUROPE STOCK VEURX EUROPEAN STOCK IDX
Foreign Small/Mid Blend VINEX VANG INTL EXPLORER
DIVERSIFIED PACIFIC/ASIA VPL PACIFIC STOCK IDX
Foreign Large Blend VWILX VANG INTL GROWTH ADM
Foreign Large Blend RIGGX AF INTL GTH & INC R6
Foreign Large Value DFIVX DFA INTL VALUE I
Foreign Small/Mid Value DFVQX DFA INTL VECTOR EQ I
Foreign Large Blend DFALX DFA LARGE CAP INTL I
EUROPE STOCK FIEUX FID EUROPE
Foreign Large Blend FIGRX FID INTL DISCOVERY K
JAPAN STOCK FJPNX FID JAPAN
Foreign Large Blend FOSKX FID OVERSEAS K
Foreign Large Blend PSKIX PIMCO STKPLUS INST
WORLD STOCK VHGEX VANG GLOBAL EQ INV
Foreign Large Value VTRIX VANG INTL VALUE INV
US EQUITY
LARGE BLEND DFUSX LARGE COMPANY IDX
LARGE VALUE DODGX DODGE & COX STOCK
LARGE GROWTH FBGKX FID BLUE CHIP GR K
LARGE GROWTH FCNKX FID CONTRAFUND K
LARGE GROWTH FDFKX FID INDEPENDENCE K
LARGE BLEND FDGKX FID DIVIDEND GR K
SMALL BLEND FDSCX FID STK SEL SM CAP
LARGE VALUE FEIKX FID EQUITY INCOME K
LARGE GROWTH FEXKX FID EXPORT & MULTI K
LARGE GROWTH FGCKX FID GROWTH CO K
LARGE GROWTH FGDKX FID GROWTH DISC K
Mid-Cap Growth FKMCX FID MID CAP STOCK K
MID-CAP BLEND FLCKX FID LEVERGD CO STK K
LARGE GROWTH FOCKX FID OTC K
SMALL BLEND FSCRX FID SM CAP DISCOVERY
MID-CAP BLEND FSLCX FID SMALL CAP STOCK
MID-CAP VALUE FVLKX FID VALUE K
MID-CAP BLEND FVSKX FID VALUE STRAT K
MID-CAP BLEND HSMAX SMALL/MID-CAP IDX
LARGE GROWTH RAFGX AF AMCAP R6
LARGE BLEND RFNGX AF FUNDMNTL INV R6
LARGE GROWTH RGAGX AF GRTH FUND AMER R6
LARGE GROWTH RNGGX AF NEW ECONOMY R6
LARGE VALUE RWMGX AF WASH MUTL INV R6
LARGE BLEND VDIGX VANG DIV GROWTH INV
LARGE VALUE VEIRX VANG EQUITY INC ADM
Small Growth VEXRX VANG EXPLORER ADM
LARGE GROWTH VFTSX VANG FTSE SOCIAL IDX
Small Growth VISGX SMALL-CAP GROWTH IDX
SMALL VALUE VISVX SMALL-CAP VALUE IDX
LARGE VALUE VIVAX LARGE-CAP VALUE IDX
MID-CAP BLEND VMCIX VANG MIDCAP IDX INST
Mid-Cap Growth VMGRX VANG MIDCAP GRTH INV
LARGE GROWTH VPCCX VANG PRIMECAP CORE
SMALL BLEND VSCIX VANG SM CAP IDX INST
MID-CAP BLEND VSEQX VANG STRATEGIC EQ
LARGE BLEND VTSMX INTL STOCK MKT IDX
LARGE BLEND VTSMX TOTAL STOCK MKT IDX
LARGE VALUE VWNAX VANG Windsor II Adm
LARGE GROWTH VWUSX VANG US LARGE-CAP GROWTH IDX
LARGE VALUE AMRMX AF AMER MUTUAL R6
LARGE BLEND RICFX AF INV CO OF AMER R6
LARGE BLEND DFEOX DFA US CORE EQ 1 I
SMALL BLEND DFSTX DFA US SMALL CAP I
SMALL VALUE DFFVX DFA US TARGET VAL I
MID-CAP VALUE DFVEX DFA US VECTOR EQ I
LARGE GROWTH FCAKX FID CAP APPREC K
LARGE GROWTH FFTYX FID FIFTY
LARGE BLEND FFDKX FID FUND K
LARGE BLEND FLCSX FID LARGE CAP STOCK
SMALL BLEND RLPKX FID LOW PRICED STK K
LARGE GROWTH FTRNX FID TREND
LARGE BLEND VGIAX VANG GRTH & INC ADM
LARGE GROWTH VMRAX VANG MORGAN GRTH ADM
MID-CAP VALUE VASVX VANG SELECTED VALUE
LARGE VALUE VWNEX VANG WINDSOR ADM
REAL ESTATE
Global Real Estate FIREX FID INTL REAL ESTATE
REAL ESTATE FRESX FID REAL ESTATE INVS
REAL ESTATE FRIFX FID REAL ESTATE INC
Global Real Estate IGLAX INTL REAL ESTATE IDX
REAL ESTATE PRRSX PIM RE REAL RET INST
Global Real Estate DFGEX DFA GLOB REAL ESTATE
COMMODITIES
COMMODITIES BROAD BASKET PCRIX PIM COM REAL RET I

Click to view the investment model portfolios of this plan ►

How to Build a Smart Portfolio in Your 401(k)

Your investment lineup is only as good as how you use it. Here are the key steps to building a portfolio that works for your retirement goals:

  1. Know your risk tolerance and timeline. If you are decades from retirement, you can generally afford more stock exposure. Closer to retirement, you may want to shift toward bonds and stable value for capital preservation.
  2. Diversify across asset classes. Spread investments across U.S. stocks, international stocks, bonds, and possibly real estate or stable value. This reduces the impact of any single market downturn.
  3. Favor low-cost index funds. Even a 0.5% difference in annual fees compounds to tens of thousands of dollars over a 30-year career. If your plan offers an S&P 500 index fund or a total stock market index fund at low cost, that is typically a strong core holding.
  4. Consider a target-date fund if you prefer simplicity. Target-date funds automatically adjust your stock/bond allocation as you approach retirement, making them a solid one-fund solution for hands-off investors.
  5. Rebalance at least annually. Over time, your portfolio drifts from its target allocation as some assets outperform others. Rebalancing keeps your risk level consistent.

Learn more in our Four-Step Guide for 401(k) Retirement Investing, or use the Asset Allocation Calculator to find the right mix for your age and risk tolerance.

Model Asset Allocation Portfolios

Not sure how to allocate your investments? These model portfolios are built from core, broadly diversified asset classes using ultra-low-cost index funds. Choose a template that matches your risk tolerance, then adapt it to the specific funds available in IBM 401 (K) PLUS PLAN. See Asset Allocation Portfolio Templates for a detailed guide.

Name YTD Return 1Yr AR 3Yr AR 5Yr AR 10Yr AR 15Yr AR 20Yr AR Common Inception
Four Core Asset Portfolio 4.74% 18.86% 12.42% 5.72% 8.01% 7.30% 6.92% … …
Five Core Asset Portfolio 4.70% 18.79% 12.38% 5.55% 7.97% 7.19% 6.94% … …
Three Core Asset Portfolio 4.57% 19.80% 13.11% 6.19% 8.52% 7.64% 7.10% … …
Two Core Asset Portfolio 3.87% 19.18% 13.68% 6.85% 9.34% 8.84% 7.95% … …
Yale Endowment Template 5.35% 17.45% 11.87% 5.56% 8.33% 7.96% 7.55% … …
S&P 500 Index 5.96% 30.43% 21.65% 12.98% 15.09% 13.73% 10.93% … …
Data as of 05/01/2026, Common starting date is 12/31/2000

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