ANNUAL REVIEWS 403(B) DC PLAN Investment Options
Available Funds in ANNUAL REVIEWS 403(B) DC PLAN
Below is the lineup of investment options available to participants in ANNUAL REVIEWS 403(B) DC PLAN. 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 |
|---|
| Fixed Account |
| TIAA Traditional Benefit Responsive BR1 |
| TIAA Traditional Non Benefit Responsive NBR |
| CREF Bond Market R1 X5 |
| CREF Equity Index R1 X8 |
| CREF Global Equities R1 X6 |
| CREF Growth R1 X7 |
| CREF Inflation-Linked Bond R1 X9 |
| CREF Social Choice R1 X4 |
| CREF Stock R1 X2 |
| Fidelity Asset Manager 70% |
| Fidelity Freedom 2040 |
| Fidelity Growth Company |
| Fidelity VIP Growth Portfolio |
| Managed Volatility Fund |
| TIAA Access Bond Plus T4 8Y |
| TIAA Access Equity Index T4 8K |
| TIAA Access Growth & Income T4 8B |
| TIAA Access International Equity T4 8A |
| TIAA Access Large-Cap GR T4 8W |
| TIAA Access Lifecycle 2030 T4 |
| TIAA Access Lifecycle 2035 T4 |
| TIAA Access Lifecycle 2045 T4 |
| TIAA Access Lifecycle 2050 T4 |
| TIAA Access Mid-Cap VAL T4 8F |
| TIAA Access Small-Cap BL Index T4 8Q |
| TIAA Access Social CH EQ T4 8D |
| TIAA-CREF Access Small-Cap Equity Fund Class T4 8G |
| Vanguard 500 Index Fund Admiral Shares |
| Vanguard Balanced Index Fund Admiral Shares |
| Vanguard Core Bond Fund Admiral Shares |
| Vanguard Developed Markets Index Fund Admiral Shares |
| Vanguard Diversified Equity Fund |
| Vanguard Dividend Appreciation Index Fund Admiral Shares |
| Vanguard Dividend Growth Fund |
| Vanguard Equity Income Fund Admiral Shares |
| Vanguard Explorer Fund Admiral Shares |
| Vanguard FTSE Social Index Admiral Shares |
| Vanguard Global Equity Fund |
| Vanguard Growth |
| Vanguard Health Care Fund Admiral Shares |
| Vanguard High-Yield Corporate Fund Admiral Shares |
| Vanguard Inflation-Protected Securities Fund Admiral Shares |
| Vanguard Intermediate-Term Investment |
| Vanguard International Growth Fund Admiral Shares |
| Vanguard International Value Fund |
| Vanguard Large-Cap Index Fund Admiral Shares |
| Vanguard LifeStrategy Growth Fund |
| Vanguard LifeStrategy Moderate Growth Fund |
| Vanguard Mid-Cap Growth Fund |
| Vanguard Mid-Cap Growth Index Fund Admiral Shares |
| Vanguard Mid-Cap Index Fund Admiral Shares |
| Vanguard Pacific Stock Index Fund Admiral Shares |
| Vanguard Small-Cap Index Fund Admiral Shares |
| Vanguard Small-Cap Value Index Fund Admiral Shares |
| Vanguard STAR Fund Investor Shares |
| Vanguard Strategic Equity Fund |
| Vanguard Target Retirement 2020 Fund |
| Vanguard Target Retirement 2025 Fund |
| Vanguard Target Retirement 2030 Fund |
| Vanguard Target Retirement 2035 Fund |
| Vanguard Target Retirement 2040 Fund |
| Vanguard Target Retirement 2045 Fund |
| Vanguard Target Retirement 2050 Fund |
| Vanguard Target Retirement 2055 Fund |
| Vanguard Target Retirement 2060 Fund |
| Vanguard Target Retirement 2065 Fund |
| Vanguard Target Retirement Income Fund |
| Vanguard U.S. Growth Fund Admiral Shares |
| Vanguard Value Index Fund Admiral Shares |
| Vanguard Wellesley Income Fund Admiral Shares |
| Vanguard Wellington Fund Admiral Shares |
| Vanguard Windsor II Fund Admiral Shares |
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 ANNUAL REVIEWS 403(B) DC PLAN. 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?
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