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Although employers are not
required to offer any specific investment options, most choose to comply with voluntary
guidelines established by the Department of Labor. These guidelines stipulate that plans
must offer at least three distinct investment options with substantially different
risk/return objectives.
The range of investment options commonly offered in 401(k) plans includes:
money market funds
stable value contracts
government bond funds
income (bond) funds
growth and income funds
growth funds
aggressive growth funds
balanced funds
index funds
international funds
life cycle funds
company stock funds
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