FundAdvice.com - 401k: Raytheon

According to our records, your current plan options are listed below. Please let us know if your plan has changed, or if there are additions or deletions to this list.

Company Stock
RAYTHEON STOCK FUND

Large Cap Growth
FID BLUE CHIP GROWTH
MARSICO FOCUS
VANG MORGAN GRTH ADM

Large Cap Blend
DOW INDEX
EXCLSR VAL & RSTG IS
HARTFORD CAP APP IA
S&P 500 INDEX FUND
VANG PRIMECAP ADM

Large Cap Value
AIM BASIC VALUE INST
FID EQUITY INCOME
VANG WINDSOR ADM

Mid-Cap Growth
COL/ACORN SELECT Z
MUNDER MDCPCORE GR Y

Mid-Cap Blend
HRTFRD MIDCAP HLS IA
TCW VALUE OPPS I

Mid-Cap Value
INST MID CAP VALUE

Small Cap Growth
MSI SMALL CO GRTH A
TURNER EMRG GRTH I

Small Cap Blend
SMALL CAP BLEND
TRP SM CAP STOCK

Small Cap Value
AM CENT SM CAP VAL I

World
OAKMARK GLOBAL I

Foreign
1ST EAGLE OVERSEAS I
BGI EAFE EQ INDEX F
DODGE & COX INTL STK
HTFD INTL CAPAPPR IA
INTL EQUITY BLEND
OPPHMR INTL SM CO Y

Specialty
AGGRESSIVE STRATEGY
HEALTHCARE FUND
REAL ESTATE SEC FUND
SPECIALTY HIGH GRTH
SPECIALTY VALUE FUND
TECHNOLOGY FUND

Blended Fund Investments
Asset Allocation
FID FREEDOM 2000
FID FREEDOM 2005
FID FREEDOM 2010
FID FREEDOM 2015
FID FREEDOM 2020
FID FREEDOM 2025
FID FREEDOM 2030
FID FREEDOM 2035
FID FREEDOM 2040
FID FREEDOM INCOME

Balanced
FID BALANCED
MODERATE STRATEGY
OAKMARK EQ & INC I

Bond/Managed Income
Intermediate-Term
BGI US DEBT INDEX F
FIXED INC INDEX PLUS
PIMCO TOTAL RT INST

Stable Value
FIXED INCOME FUND

International
EVRGRN INTL BOND I

Short-Term Investments
FIDELITY INST MMKT

Warning: Some of these funds may carry either a load or a 12b-1 fee. We assume your plan administrator was able to obtain these funds on a no-load basis, but this is not always the case. We are strongly opposed to buying funds that carry loads or charge extra fees, especially in a company retirement plan.

What we Like about this retirement plan: With over 40 funds, this plan offers a lot to choose from, and it does an especially good job of covering the domestic equity categories.

What could improve your retirement plan: We'd like to see offered an international small cap value fund and an emerging markets fund.

Our Raytheon 401(k) Plan Recommendations

Here are our asset allocation recommendations depending on the level of risk you decide to take. To determine your tolerance for risk so that you can choose the portfolio that's right for you, be sure to read the articles linked on our homepage. It's important that you understand the basis for our recommendations, because you'll be more likely to implement them and stay the course. If you have questions, check out our FAQs.

Aggressive Portfolio
When you want to take out all the stops and "go for it," this is the portfolio for you. Equally at home in the U.S. and abroad, this combination is a favorite of young investors with plenty of time before retirement. It's also suited for those on a fast track who want or need all the speed and distance they can get from their investments. Because 100 percent of the portfolio is in equities, the only buffer against the slings and arrows of the market is time. But if you've got the time, this is the way to go. Our expected annual return for this portfolio is 10 to 13 percent, with the likely one year loss of 30 to 40 percent.

Moderate Portfolio
This combination is a fine choice for many employees and especially for long-term investors. Its 60 percent weighting in equities gives it plenty of power for stock market growth, while the 40 percent in fixed-income provides stability and safety during declines in the market. This portfolio is most suitable for investors with five or more years until they will need their money. Our expected annual return for this portfolio is 7 to 10 percent, with the likely one year loss of 15 to 25 percent.

Conservative Portfolio
This combination stresses safety, with a mix of 40 percent equities and 60 percent fixed-income investments. It is most suitable for investors who consider themselves conservative, who are close to or past the age of retirement or who, for whatever reason, care more about holding onto their money than making it grow. Our expected annual return for this portfolio is 6 to 9 percent, with the likely one year loss of 5 to 15 percent.

Funds	Aggressive	Moderate	Conservative
S&P 500 Index Fund	10%	6%	4%
Vanguard Windsor	15%	9%	6%
American Century Sm Cap Value I	15%	9%	6%
Real Estate Sec Fund	10%	6%	4%
Dodge & Cox Intl Stk	25%	15%	10%
BGI EAFE Equity Index F	25%	15%	10%
Pimco Total Return Inst	--	20%	30%
Stable Value Fixed Income	--	20%	30%

Disclaimer:

This information is provided by Merriman Berkman Next, Inc., a registered investment advisor, and is believed to be from reliable sources, but no guarantee is made as to accuracy or completeness. The investment securities and strategies discussed are not suitable for all investors. Recommendations are of a general nature, not based on knowledge of any individual's specific needs or circumstances, and there is no intent to provide individual investment advisory, supervisory or management services. Unless otherwise noted, all reported or projected results (1) assume reinvestment of interest and dividends; (2) are net of any applicable management fees and transaction costs; and (3) do not reflect any effect of taxes. Past returns, whether actual or hypothetical, are not indicative of future results, which will be different from those of the past. Merriman Berkman Next, Inc. is not an authorized representative of Raytheon and its retirement plan.