403(B) THRIFT PLAN FOR UNITED DISABILITY SERVICES, INC. Investment Options
Available Funds in 403(B) THRIFT PLAN FOR UNITED DISABILITY SERVICES, INC.
Below is the lineup of investment options available to participants in 403(B) THRIFT PLAN FOR UNITED DISABILITY SERVICES, INC.. This typically includes a mix of mutual funds, index funds, and collective investment trusts (CITs) — which are pooled investment vehicles custom-built for large retirement plans, often with lower expense ratios than their retail mutual fund equivalents.
When evaluating these options, focus on expense ratios (lower is better), asset class coverage (U.S. stocks, international stocks, bonds, and stable value), and whether low-cost index funds are available. Research consistently shows that low-cost, broadly diversified index funds outperform most actively managed funds over the long term.
| Investment Description |
|---|
| American Century Investments® VP Capital Appreciation Pooled Separate Accounts N/A |
| Calvert VP SRI Balanced Portfolio Pooled Separate Accounts N/A |
| DWS Capital Growth VIP Pooled Separate Accounts N/A |
| Fidelity® VIP Asset Manager Portfolio Pooled Separate Accounts N/A |
| Fidelity® VIP Contrafund® Portfolio Pooled Separate Accounts N/A |
| Fidelity® VIP Equity-Income Portfolio Pooled Separate Accounts N/A |
| Fidelity® VIP Mid Cap Portfolio Pooled Separate Accounts N/A |
| Goldman Sachs VIT US Equity Insights Fund Pooled Separate Accounts N/A |
| Goldman Sachs VIT Small Cap Equity Insights Fund Pooled Separate Accounts N/A |
| Invesco V.I. Main Street Fund® Pooled Separate Accounts N/A |
| Mutual of America 2020 Retirement Fund Pooled Separate Accounts N/A |
| Mutual of America 2025 Retirement Fund Pooled Separate Accounts N/A |
| Mutual of America 2030 Retirement Fund Pooled Separate Accounts N/A |
| Mutual of America 2035 Retirement Fund Pooled Separate Accounts N/A |
| Mutual of America 2040 Retirement Fund Pooled Separate Accounts N/A |
| Mutual of America 2045 Retirement Fund Pooled Separate Accounts N/A |
| Mutual of America 2050 Retirement Fund Pooled Separate Accounts N/A |
| Mutual of America 2055 Retirement Fund Pooled Separate Accounts N/A |
| Mutual of America 2060 Retirement Fund Pooled Separate Accounts N/A |
| Mutual of America 2065 Retirement Fund Pooled Separate Accounts N/A |
| Mutual of America Aggressive Allocation Fund Pooled Separate Accounts N/A |
| Mutual of America All America Fund Pooled Separate Accounts N/A |
| Mutual of America Bond Fund Pooled Separate Accounts N/A |
| Mutual of America Composite Fund Pooled Separate Accounts N/A |
| Mutual of America Conservative Allocation Fund Pooled Separate Accounts N/A |
| Mutual of America Equity Index Fund Pooled Separate Accounts N/A |
| Mutual of America Mid Cap Value Fund Pooled Separate Accounts N/A |
| Mutual of America Mid-Cap Equity Index Fund Pooled Separate Accounts N/A |
| Mutual of America Mid-Term Bond Fund Pooled Separate Accounts N/A |
| Mutual of America Moderate Allocation Fund Pooled Separate Accounts N/A |
| Mutual of America Retirement Income Fund Pooled Separate Accounts N/A |
| Mutual of America Small Cap Growth Fund Pooled Separate Accounts N/A |
| Mutual of America Small Cap Value Fund Pooled Separate Accounts N/A |
| PIMCO VIT Real Return Portfolio Pooled Separate Accounts N/A |
| T.Rowe Price Blue Chip Growth Portfolio Pooled Separate Accounts N/A |
| Vanguard VIF Diversified Value Portfolio Pooled Separate Accounts N/A |
| Vanguard VIF International Portfolio Pooled Separate Accounts N/A |
How to Build a Smart Portfolio in Your 401(k)
Your investment lineup is only as good as how you use it. Here are the key steps to building a portfolio that works for your retirement goals:
- Know your risk tolerance and timeline. If you are decades from retirement, you can generally afford more stock exposure. Closer to retirement, you may want to shift toward bonds and stable value for capital preservation.
- Diversify across asset classes. Spread investments across U.S. stocks, international stocks, bonds, and possibly real estate or stable value. This reduces the impact of any single market downturn.
- Favor low-cost index funds. Even a 0.5% difference in annual fees compounds to tens of thousands of dollars over a 30-year career. If your plan offers an S&P 500 index fund or a total stock market index fund at low cost, that is typically a strong core holding.
- Consider a target-date fund if you prefer simplicity. Target-date funds automatically adjust your stock/bond allocation as you approach retirement, making them a solid one-fund solution for hands-off investors.
- Rebalance at least annually. Over time, your portfolio drifts from its target allocation as some assets outperform others. Rebalancing keeps your risk level consistent.
Learn more in our Four-Step Guide for 401(k) Retirement Investing, or use the Asset Allocation Calculator to find the right mix for your age and risk tolerance.
Model Asset Allocation Portfolios
Not sure how to allocate your investments? These model portfolios are built from core, broadly diversified asset classes using ultra-low-cost index funds. Choose a template that matches your risk tolerance, then adapt it to the specific funds available in 403(B) THRIFT PLAN FOR UNITED DISABILITY SERVICES, INC.. See Asset Allocation Portfolio Templates for a detailed guide.
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Common | Inception |
|---|---|---|---|---|---|---|---|---|---|
| Four Core Asset Portfolio | 4.74% | 18.86% | 12.42% | 5.72% | 8.01% | 7.30% | 6.92% | … | … |
| Five Core Asset Portfolio | 4.70% | 18.79% | 12.38% | 5.55% | 7.97% | 7.19% | 6.94% | … | … |
| Three Core Asset Portfolio | 4.57% | 19.80% | 13.11% | 6.19% | 8.52% | 7.64% | 7.10% | … | … |
| Two Core Asset Portfolio | 3.87% | 19.18% | 13.68% | 6.85% | 9.34% | 8.84% | 7.95% | … | … |
| Yale Endowment Template | 5.35% | 17.45% | 11.87% | 5.56% | 8.33% | 7.96% | 7.55% | … | … |
| S&P 500 Index | 5.96% | 30.43% | 21.65% | 12.98% | 15.09% | 13.73% | 10.93% | … | … |
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Puzzled on what to invest?
- We ask a few questions to decide your personal return and risk expectations
- We build a custom portfolio for your plan (401(k), 403(b), 529 …) or for a brokerage account
- We monitor and send timely rebalance emails on what investment funds to buy and sell
Looking for ideas to generate income?
- ETF or mutual fund income portfolios for 4-7% annual income
- Dividend stock funds
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