2022's Best Mutual Funds in 401(k) Retirement Plans

A key to smart retirement saving: spreading your portfolio across a few of the best mutual funds in your 401(k) plan. Here are the 29 top options available.

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Checking your 401(k) balance when the market gets choppy, as it has in recent months, can feel a lot like watching a scary movie: You're afraid to look, but you want to know what's happening. And in that context, we decided now was a good time to check in again with the country's most popular 401(k) mutual funds.

Every year, with the help of financial data firm BrightScope, a financial data firm that rates workplace retirement savings plans, we analyze the 100 mutual funds with the most assets in 401(k) and other defined contribution plans, then rate them Buy, Hold or Sell. Our goal: To guide you toward the best mutual funds likely to be available in your plan.


Returns and data are as of May 20, unless otherwise noted, and are gathered for the share class with the lowest required minimum initial investment – typically the Investor share class or A share class. The share class available in your 401(k) plan may be different. Funds are listed in reverse order of their popularity within 401(k) plans.

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