Investment Funds You Can Choose |
The FRS Investment Plan features 20 funds, which are spread across six investment categories, including a special category of fund called Balanced Funds that offer mixtures of various other investment categories.
Select an Investment Fund by name, by risk category, or by Investment category to see additional information about the funds.
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FRS Balanced Funds |
| Balanced funds invest in multiple asset classes and are good for "one-stop-shopping." They seek favorable long-term returns by keeping costs low and investing across multiple asset classes to diversify and control risk.
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| FRS Select Conservative Balanced Fund (A10)
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| FRS Select Moderate Balanced Fund (A20)
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FRS Select Aggressive Balanced Fund (A30)
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Money Market Funds |
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These funds invest in short-term securities (financial instruments or obligations) that are high quality and can be sold quickly with little loss of value. Because of these investments, the funds have limited risk of declining in value. However, over the long term, money market investment returns have been modest, basically keeping pace with inflation. Money market funds are not FDIC insured or guaranteed.
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| FRS Select Yield Plus Money Market Fund (M10)
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Inflation-Protected Security Funds |
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These funds invest in United States Treasury Inflation-Protected securities or "TIPS." TIPS provide two types of return. First, there's a fixed interest rate that's been around 2% to 3% since TIPS were first issued in 1997. Second, there's a return of principal (the starting amount of your investment) and interest (the additional earnings you get over time) that is "protected," or indexed to inflation. As inflation rises, so does the amount of principal and interest you receive. So, if the fixed rate is 3% and inflation is 3%, you receive an annualized rate of return of about 6%. The day-to-day value of inflation-protected securities varies with changes in inflation and interest rates, but these funds offer a promise of keeping up with inflation that is unique to this type of investment.
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| FRS Select U.S. Treasury Inflation Protected Securities Index Fund (T10)
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Bond Funds |
| Bond Funds invest primarily in fixed income securities which are similar to IOUs. The short-term risk of bond funds is relatively low. However, over time, the value
of a bond is affected by interest rates, inflation and other factors.
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| FRS Select U.S.Bond Enhanced Index Fund (B15)
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| PIMCO Total Return (B20)
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| Pyramis Intermediate Duration Pool (B35)
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FRS Select High Yield Fund (B50)
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Foreign And Global Stock Funds |
| Foreign and Global Stock Funds invest primarily in stocks issued by foreign companies. Compared to U.S. stocks, foreign stocks are affected by additional risk factors such as foreign laws and regulations, differences in accounting practices, political and currency risks. Over the long-term, foreign stocks have provided additional diversification benefits.
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| FRS Select Foreign Stock Index Fund (F10)
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| American Funds Euro-Pacific Growth Fund (F20)
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American Funds New Perspective (F40)
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U.S. Stock Funds |
| U.S. Stock Funds invest primarily in stocks issued by U.S. companies The short-term risk of investing in stocks has been much higher than bonds. However, over long periods of time, stocks have generally performed better than bonds.
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| FRS Select US Stock Market Index Fund (S10)
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| Pioneer Fund (S20)
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| FRS Select US Large Value Stock Active Fund (S25)
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| FRS Select US Large Growth Stock Active Fund (S30)
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| Prudential Mid-Cap Quantitative Core Equity Fund (S40)
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| Fidelity Growth Company Fund (S80)
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| Fidelity Low-Price Stock Fund (S90)
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| T. Rowe Price Small-Cap Stock Fund (S97)
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| American Beacon Small-Cap Value Fund (S99)
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Video Guide to Investment Funds
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Launch in external player
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This video shows you how the investment fund information on MyFRS.com (results, ratings, bench marks, and more) can help you make smarter investment choices.
The video is general in nature and presents a high level overview of the investment fund pages. The investment fund examples used in the video do not correspond to the Investment Plan's investment funds and their returns and fees.
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