United Parcel Service Delivers a Solid Retirement Plan - Seeking Alpha The UPS 401K plan consists of 22 funds. These funds enable participants to gain exposure to 4 major assets: US Equity, Foreign Equity, REITs, Fixed Income. As of Jan 7, 2011, this plan investment choice is rated as average based on our Plan Rating methodology that was designed to measure how effective a plan's available investment funds are. It has the following detailed ratings: Diversification -- Rated as above average (84%) Fund Quality -- Rated as below average (24%) Portfolio Building -- Rated as above average (73%) Overall Rating: average (62%) To summarize, UPS Savings Plan participants can achieve the best investment returns by adopting asset allocation strategies that are tailored to their risk profiles. The UPS Savings Plan could consider reviewing their existing fund balance and adding an additional asset class.