Investment Options
Investing your 401(k) savings is important to help it grow, but how do you know which funds to choose? If you don’t
feel comfortable building your own portfolio, you can take a hands-off approach and let the experts at Fidelity manage
your investments for you. If you have the time and energy, you can take a hands-on approach and design your own
investment strategy.
Hands-off: Lifecycle Funds
If you are a “hands-off” investor, Fidelity’s Lifecycle Funds may be a good fit for you. Lifecycle Funds offer a blend of
stocks, bonds, and short-term investments within a single fund. They are designed for investors who don’t want to go
through the process of picking several funds from the different investment types but who still want to diversify among
stocks, bonds and short-term investments.
Lifecycle Funds provide an automatic investment mix that becomes continually more conservative as time goes on.
There’s no guesswork—just pick the fund with the year that’s closest to the year you plan to retire. Fidelity will manage
things from there.
Target Date 2012 – 2014
Target Date 2015 – 2030
Target Date 2035 - 2055
• Fidelity Freedom 2010 Fund
®
• Fidelity Freedom 2015 Fund
®
• Fidelity Freedom 2020 Fund
®
• Fidelity Freedom 2025 Fund
®
• Fidelity Freedom 2030 Fund
®
• Fidelity Freedom 2035 Fund
®
• Fidelity Freedom 2040 Fund
®
• Fidelity Freedom 2045 Fund
®
• Fidelity Freedom 2050 Fund
®
• Fidelity Freedom 2055 Fund
®
Target date investments are represented on a separate spectrum because they are generally designed for investors expecting to retire around the year
indicated in each investment’s name. The investments are managed to gradually become more conservative over time. The investment risks of each target
date investment change over time as its asset allocation changes. They are subject to the volatility of the financial markets, including equity and fixed income
investments in the U.S. and abroad and may be subject to risks associated with investing in high yield, small cap and foreign securities. Principal invested is
not guaranteed at any time, including at or after their target dates.
Hands-on: Standalone Funds
If you are a “hands-on” do-it-yourself investor, you can access Fidelity’s research resources and use the fund selection
tools to build your own portfolio. Think about your investment goals and then find the right balance between risk and the
potential for reward. To learn more, log in to your account at
and click on the
Analysis
tab near the top
of your browser window.
The table below shows the investments offered through Petco’s 401(k).
Standalone Funds
Short-term
Investments
• Managed Income Portfolio
Bonds
• PIMCO Total Return Fund
Administrative Class
Stocks
• Dodge & Cox Stock
Fund (large value)
• Columbia Multi-Advisor
Small Cap Value Fund
Class A (small value)
• Spartan® 500 Index
Fund—Investor Class
(large blend)
• CRM Mid Cap Value
Fund Class Investor
(mid blend)
• Fidelity
®
Low-Priced
Stock Fund (mid blend)
• Neuberger Berman
Genesis Fund Trust
Class (small blend)
• Fidelity Growth
Company Fund
(large growth)
• American Beacon
International Equity
Fund Investor Class
(international/global
equity)
Reward
Risk
4
