Where To Invest Your 401(K)

Knowing where to invest your 401(k) money can be difficult. Here, we rank 10 of the largest retirement funds.

401K plan written on wood blocks surrounded by stacks of coins and financial papers
(Image credit: Getty Images)

These days, 401(k) plans make it relatively easy to save for retirement, but the task of figuring out which funds to invest in is still tricky. A good target-date fund is an easy box to check – and most plans offer one. Low-cost index funds are another no-brainer. But if your plan offers a top-notch actively managed fund as well, it could add some punch to your overall performance. 

To help you make good fund choices, we used data from BrightScope (an institutional shareholder services business) to scrutinize the most widely held funds in employer-based retirement savings plans. Then we picked the funds apart, analyzing them and rating each one Buy, Sell or Hold.

Subscribe to Kiplinger’s Personal Finance

Be a smarter, better informed investor.

Save up to 74%

Sign up for Kiplinger’s Free E-Newsletters

Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.

Profit and prosper with the best of expert advice - straight to your e-mail.

Sign up

To continue reading this article
please register for free

This is different from signing in to your print subscription

Why am I seeing this? Find out more here

Nellie S. Huang
Senior Associate Editor, Kiplinger's Personal Finance

Nellie joined Kiplinger in August 2011 after a seven-year stint in Hong Kong. There, she worked for the Wall Street Journal Asia, where as lifestyle editor, she launched and edited Scene Asia, an online guide to food, wine, entertainment and the arts in Asia. Prior to that, she was an editor at Weekend Journal, the Friday lifestyle section of the Wall Street Journal Asia. Kiplinger isn't Nellie's first foray into personal finance: She has also worked at SmartMoney (rising from fact-checker to senior writer), and she was a senior editor at Money.