If you will live for 20 years after retirement and the estimated return for your investment portfolio is 5% annually at that time, how will you decide your retirement plan? You should first think about how many years you will live, how much money you will spend yearly after retirement, and how your investment style is, such as risk averse or risk taking. Then, you set your investment objective and decide your retirement age. Finally, try to form your portfolio by selecting funds from either Fidelity 401(k) plan or Hines 401(k) plan and allocating your assets, and to evaluate your possible returns and risk. There are no fixed rules for the choice of your portfolio. However, you will not benefit by only investing in one or two funds.

Will your portfolio achieve your target by the age of retirement?

Current Age: 26 years

Retirement Age: 65 years

Live for 20 years

165k spending yearly after retirement

Portfolio :

FID EQ DIV INCOME (FEQTX) 08/21/1990 Stock Investments Large Cap 5.70% 14.08% 9.98% 11.52%

FID 500 INDEX (FXAIX) 02/17/1988 Stock Investments Large Cap -0.32% 16.42% 13.37% 14.38%

FID BLUE CHIP VALUE (FBCVX) 06/17/2003 Stock Investments Large Cap 6.72% 11.21% 8.03% 11.17%

FID DIVIDEND GR (FDGFX) 04/27/1993 Stock Investments Large Cap 0.00% 12.41% 9.82% 11.80%

Fees:

FID EQ DIV INCOME (FEQTX) 08/21/1990	Stock Investments	Large Cap	0.58%
FID 500 INDEX (FXAIX) 02/17/1988	Stock Investments	Large Cap	0.015%
FID BLUE CHIP VALUE (FBCVX) 06/17/2003	Stock Investments	Large Cap	0.58%
FID DIVIDEND GR (FDGFX) 04/27/1993	Stock Investments	Large Cap	0.49%