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Fund Watch

105 Most Popular Funds for Your Retirement Savings

These mutual funds have the most assets under management in 401(k) plans, according to BrightScope.

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There's no denying the importance and popularity of 401(k)s for retirement savers. Americans have $4.8 trillion invested in these tax-deferred savings accounts, according to the Investment Company Institute, and there are 52 million active 401(k) participants. BrightScope, a financial-information company that rates retirement-savings plans, compiled this list for Kiplinger of the most popular mutual funds in 401(k) plans based on funds' 401(k) assets under management.

See Also: Best Vanguard Funds for Your Retirement Savings

Here is the list of the top 105 funds for your 401(k) retirement savings. All figures are as of September 30, 2016.

        Annualized Total Return  
Rank Fund Name Symbol Total Assets* 1-YR 3-YR 5-YR 10-YR Fund Type
1 Vanguard Institutional Index I VINIX $209 billion 15.41 11.13 16.35 7.24 Large Blend
2 PIMCO Total Return D PTTDX $84 billion 5.38 3.21 3.88 5.67 Intermediate-Term Bond
3 Fidelity® Contrafund FCNTX $108 billion 10.51 10.25 15.41 8.62 Large Growth
4 American Funds Europacific Growth A AEPGX $124 billion 8.13 2.99 8.73 3.93 Foreign Large Growth
5 Fidelity 500 Index Investor FUSEX $103 billion 15.34 11.07 16.28 7.17 Large Blend
6 Vanguard Total Bond Market Index Inv VBMFX $175 billion 5.21 3.87 2.88 4.66 Intermediate-Term Bond
7 Vanguard Wellington Inv VWELX $92 billion 11.95 7.92 11.50 7.13 Allocation—50% to 70% Equity
8 Dodge & Cox Stock DODGX $56 billion 14.53 8.91 17.10 5.52 Large Value
9 Fidelity Growth Company FDGRX $38 billion 13.74 11.50 17.66 10.67 Large Growth
10 Vanguard PRIMECAP Inv VPMCX $47 billion 17.40 13.27 18.52 9.51 Large Growth
11 Vanguard 500 Index Inv VFINX $260 billion 15.27 11.00 16.20 7.12 Large Blend
12 Vanguard Extended Market Idx Inv VEXMX $47 billion 13.29 7.34 16.17 8.11 Mid-Cap Blend
13 American Funds Growth Fund of Amer A AGTHX $144 billion 15.04 10.38 16.57 7.44 Large Growth
14 Vanguard Mid Cap Index Inv VIMSX $74 billion 12.54 9.76 16.36 8.06 Mid-Cap Blend
15 Fidelity Freedom 2020 FFFDX $12 billion 10.31 5.61 8.50 4.77 Target-Date 2020
16 Vanguard Target Retirement 2025 Inv VTTVX $32 billion 10.67 6.46 10.39 5.65 Target-Date 2025
17 Fidelity Low-Priced Stock FLPSX $40 billion 7.01 6.73 14.43 8.08 Mid-Cap Value
18 Fidelity Freedom 2030 FFFEX $11 billion 11.74 6.32 10.09 4.86 Target-Date 2030
19 Vanguard Target Retirement 2020 Inv VTWNX $28 billion 10.05 6.21 9.63 5.62 Target-Date 2020
20 Vanguard Total Intl Stock Index Inv VGTSX $226 billion 9.53 0.79 6.71 2.15 Foreign Large Blend
21 Vanguard Windsor II Inv VWNFX $46 billion 12.11 8.14 14.72 5.78 Large Value
22 Dodge & Cox International Stock DODFX $55 billion 5.62 0.06 8.17 2.88 Foreign Large Blend
23 Vanguard Small Cap Index Inv NAESX $63 billion 14.82 7.78 16.55 8.28 Small Blend
24 T. Rowe Price Retirement 2020 TRRBX $26 billion 11.09 6.29 10.65 5.89 Target-Date 2020
25 T. Rowe Price Retirement 2030 TRRCX $26 billion 11.93 6.91 12.24 6.17 Target-Date 2030
26 Vanguard Target Retirement 2030 Inv VTHRX $25 billion 11.15 6.64 11.12 5.64 Target-Date 2030
27 Vanguard Target Retirement 2035 Inv VTTHX $25 billion 11.64 6.80 11.83 5.74 Target-Date 2035
28 Fidelity Freedom 2025 FFTWX $9 billion 10.73 6.01 9.62 5.06 Target-Date 2025
29 Vanguard Total Stock Mkt Idx Inv VTSMX $469 billion 14.85 10.29 16.20 7.41 Large Blend
30 Fidelity Diversified International FDIVX $20 billion 5.96 3.00 9.60 2.75 Foreign Large Growth
31 Fidelity Freedom 2040 FFFFX $7 billion 12.10 6.46 11.00 4.89 Target-Date 2040
32 T. Rowe Price Retirement 2025 TRRHX $20 billion 11.57 6.64 11.49 6.04 Target-Date 2025
33 Vanguard Target Retirement 2015 Inv VTXVX $17 billion 9.03 5.71 8.61 5.48 Target-Date 2015
34 Fidelity Freedom 2035 FFTHX $6 billion 12.17 6.45 10.89 4.97 Target-Date 2035
35 T. Rowe Price Retirement 2040 TRRDX $18 billion 12.29 7.13 12.98 6.34 Target-Date 2040
36 Vanguard Target Retirement 2040 Inv VFORX $17 billion 12.11 6.84 12.13 5.87 Target-Date 2040
37 Vanguard Instl Ttl Stk Mkt Idx I VITNX $39 billion 15.06 10.48 16.40 7.59 Large Blend
38 Harbor Capital Appreciation Inv HCAIX $38 billion 8.63 10.86 15.57 8.27 Large Growth
39 T. Rowe Price Mid-Cap Growth RPMGX $25 billion 11.25 11.22 17.13 10.61 Mid-Cap Growth
40 T. Rowe Price Growth Stock PRGFX $45 billion 10.05 11.03 17.36 8.61 Large Growth
41 American Funds American Balanced A ABALX $97 billion 12.09 8.26 12.12 6.82 Allocation—50% to 70% Equity
42 Fidelity Balanced FBALX $29 billion 10.80 8.09 11.23 6.45 Allocation—50% to 70% Equity
43 T. Rowe Price Blue Chip Growth TRBCX $33 billion 11.34 11.56 17.86 9.11 Large Growth
44 Vanguard Target Retirement 2045 Inv VTIVX $16 billion 12.16 6.86 12.14 5.87 Target-Date 2045
45 MainStay Large Cap Growth Inv MLINX $81 billion 9.52 9.36 14.74 8.35 Large Growth
46 Vanguard International Growth Inv VWIGX $23 billion 16.72 3.13 9.84 4.17 Foreign Large Growth
47 T. Rowe Price Equity Income PRFDX $22 billion 17.45 6.63 13.71 5.67 Large Value
48 T. Rowe Price Retirement 2035 TRRJX $15 billion 12.14 7.05 12.72 6.24 Target-Date 2035
49 Harbor International Investor HIINX $13 billion 7.36 -0.91 6.92 3.43 Foreign Large Blend
50 Fidelity Puritan FPURX $26 billion 10.13 8.09 11.41 6.43 Allocation—50% to 70% Equity
51 MFS Value A MEIAX $1 billion 15.07 9.62 15.97 6.94 Large Value
52 American Funds New Perspective A ANWPX $60 billion 10.90 7.02 12.94 6.80 World Stock
53 Fidelity Freedom 2015 FFVFX $5 billion 9.84 5.37 7.82 4.84 Target-Date 2015
54 Vanguard Balanced Index Inv VBINX $30 billion 11.06 7.82 10.85 6.64 Allocation—50% to 70% Equity
55 Vanguard Growth Index Inv VIGRX $53 billion 13.36 11.19 16.38 8.66 Large Growth
56 Metropolitan West Total Return Bd M MWTRX $39 billion 4.48 3.76 4.59 6.25 Intermediate-Term Bond
57 American Beacon Lg Cap Value Inv AAGPX $8 billion 10.62 6.42 14.45 5.11 Large Value
58 Fidelity Extended Market Index Investor FSEMX $17 billion 13.27 7.46 16.13 8.34 Mid-Cap Blend
59 Oakmark Equity & Income I OAKBX $30 billion 7.34 4.92 9.75 6.59 Allocation—50% to 70% Equity
60 T. Rowe Price Instl Large Cap Growth TRLGX $12 billion 9.98 10.85 17.61 9.50 Large Growth
61 American Funds Washington Mutual A AWSHX $81 billion 15.20 9.39 14.58 6.57 Large Value
62 Neuberger Berman Genesis Inv NBGNX $16 billion 13.34 6.37 13.36 8.78 Small Growth
63 Fidelity US Bond Index Investor FBIDX $26 billion 5.09 3.85 2.90 4.40 Intermediate-Term Bond
64 Artisan Mid Cap Investor ARTMX $8 billion 8.08 5.75 14.16 9.88 Mid-Cap Growth
65 Fidelity Freedom 2045 FFFGX $3 billion 12.11 6.53 11.22 4.96 Target-Date 2045
66 Fidelity Blue Chip Growth FBGRX $19 billion 10.85 11.74 17.32 9.58 Large Growth
67 American Funds Fundamental Invs A ANCFX $77 billion 16.99 10.24 15.87 7.48 Large Blend
68 Fidelity OTC FOCPX $14 billion 18.34 13.38 18.53 12.13 Large Growth
69 Vanguard Value Index Inv VIVAX $44 billion 16.11 10.19 15.86 5.88 Large Value
70 Dodge & Cox Balanced DODBX $15 billion 12.58 7.74 13.71 5.82 Allocation—50% to 70% Equity
71 Vanguard Explorer Inv VEXPX $11 billion 13.35 6.09 15.46 7.54 Small Growth
72 T. Rowe Price Retirement 2015 TRRGX $10 billion 10.49 5.88 9.62 5.71 Target-Date 2015
73 Dodge & Cox Income DODIX $47 billion 7.09 4.29 4.31 5.36 Intermediate-Term Bond
74 JPMorgan Mid Cap Value A JAMCX $15 billion 13.08 9.71 16.80 8.17 Mid-Cap Blend
75 BlackRock Equity Dividend Inv A MDDVX $20 billion 14.42 8.39 12.52 6.82 Large Value
76 JPMorgan Large Cap Growth A OLGAX $16 billion 6.09 8.90 13.69 8.63 Large Growth
77 Vanguard Inflation-Protected Secs Inv VIPSX $25 billion 6.48 2.31 1.78 4.26 Inflation-Protected Bond
78 American Funds Capital World Gr&Inc A CWGIX $82 billion 11.00 5.35 11.53 5.33 World Stock
79 Fidelity International Index Investor FSIIX $15 billion 6.51 0.55 7.60 1.92 Foreign Large Blend
80 Fidelity Freedom 2050 FFFHX $3 billion 12.20 6.52 11.39 4.77 Target-Date 2050
81 Vanguard Windsor Inv VWNDX $17 billion 10.35 7.71 16.01 5.75 Large Value
82 Columbia Acorn A LACAX $5 billion 8.76 4.01 12.25 6.61 Mid-Cap Growth
83 T. Rowe Price Retirement 2045 TRRKX $9 billion 12.30 7.13 12.97 6.34 Target-Date 2045
84 Vanguard Target Retirement 2050 Inv VFIFX $10 billion 12.14 6.85 12.14 5.87 Target-Date 2050
85 Goldman Sachs Mid Cap Value A GCMAX $25 billion 8.04 5.70 13.66 6.42 Mid-Cap Value
86 Oppenheimer Developing Markets A ODMAX $5 billion 17.93 -1.50 4.65 6.41 Diversified Emerging Mkts
87 Schwab S&P 500 Index SWPPX $23 billion 15.28 11.05 16.24 7.19 Large Blend
88 T. Rowe Price New Horizons PRNHX $17 billion 14.21 9.39 18.92 11.53 Small Growth
89 BlackRock Global Allocation Inv A MDLOX $43 billion 6.84 3.20 6.60 5.23 World Allocation
90 Fidelity Freedom 2010 FFFCX $4 billion 9.07 5.02 7.49 4.78 Target-Date 2000-2010
91 Morgan Stanley Inst Mid Cap Growth A MACGX $10 billion -0.12 -0.01 7.47 6.70 Mid-Cap Growth
92 Vanguard Capital Opportunity Inv VHCOX $14 billion 15.20 11.99 19.53 9.42 Large Growth
93 Vanguard Developed Markets Idx Investor VDVIX $65 billion 7.93 0.99 7.93 2.05 Foreign Large Blend
94 Vanguard Wellesley Income Inv VWINX $50 billion 11.58 7.28 8.70 7.10 Allocation—30% to 50% Equity
95 PIMCO Real Return D PRRDX $12 billion 6.26 1.53 1.58 4.26 Inflation-Protected Bond
96 Vanguard Small Cap Value Index Inv VISVX $21 billion 16.45 9.40 17.29 7.49 Small Value
97 Vanguard REIT Index Inv VGSIX $64 billion 19.53 13.84 15.54 6.34 Real Estate
98 AllianzGI NFJ Small-Cap Value A PCVAX $4 billion 10.40 3.42 10.87 7.09 Small Value
99 T. Rowe Price Small-Cap Stock OTCFX $9 billion 15.61 7.45 16.73 9.04 Small Growth
100 Vanguard Target Retirement Income Inv VTINX $11 billion 7.54 4.68 5.94 5.27 Target-Date Retirement
101 Vanguard Morgan Growth Inv VMRGX $11 billion 10.48 10.58 15.73 7.64 Large Growth
102 Fidelity Mid-Cap Stock FMCSX $7 billion 12.85 7.74 15.01 7.46 Mid-Cap Growth
103 GE RSP US Equity GESSX $5 billion 13.34 9.15 15.91 7.16 Large Blend
104 PIMCO All Asset D PASDX $19 billion 13.20 1.54 4.44 4.57 Tactical Allocation
105 T. Rowe Price Retirement 2050 TRRMX $7 billion 12.30 7.11 12.96 Target-Date 2050

*The dollar amounts represent funds' total assets under management held both within 401(k) plans and outside of 401(k)s, according to Morningstar. BrightScope ranked the funds by assets under management held in 401(k)s only, but it did not disclose the precise amounts for proprietary reasons.