DES MOINES UNIVERSITY DEFINED CONTRIBUTION 403(B) PLAN Investment Options
Available Funds in DES MOINES UNIVERSITY DEFINED CONTRIBUTION 403(B) PLAN
Below is the lineup of investment options available to participants in DES MOINES UNIVERSITY DEFINED CONTRIBUTION 403(B) 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 |
|---|
| TIAA-CREF TIAA-CREF Lifecycle 2015-Rtmt |
| TIAA-CREF TIAA-CREF Lifecycle 2020-Rtmt |
| TIAA-CREF TIAA-CREF Lifecycle 2025-Rtmt |
| TIAA-CREF TIAA-CREF Lifecycle 2030-Rtmt |
| TIAA-CREF TIAA-CREF Lifecycle 2035-Rtmt |
| TIAA-CREF TIAA-CREF Lifecycle 2040-Rtmt |
| TIAA-CREF TIAA-CREF Lifecycle 2045-Rtmt |
| TIAA-CREF TIAA-CREF Lifecycle 2050-Rtmt |
| TIAA-CREF TIAA-CREF Lifecycle 2055-Rtmt |
| TIAA-CREF TIAA-CREF Lfcyle Rtmt Inc-Rtmt |
| TIAA-CREF TIAA-CREF Intl Eq-Rtmt |
| TIAA-CREF TIAA-CREF Lg-Cap Val-Rtmt |
| TIAA-CREF TIAA-CREF Mid-Cap Gr-Rtmt |
| TIAA-CREF TIAA-CREF Mid-Cap Val-Rtmt |
| TIAA-CREF TIAA-CREF Sm-Cap Eq-Rtmt |
| Vanguard Group Vanguard Institutional Target Retirement Inc Inv Fund |
| Vanguard Group Vanguard Institutional Target Retirement 2020 Inv Fund |
| Vanguard Group Vanguard Institutional Target Retirement 2025 Inv Fund |
| Vanguard Group Vanguard Institutional Target Retirement 2030 Inv Fund |
| Vanguard Group Vanguard Institutional Target Retirement 2035 Inv Fund |
| Vanguard Group Vanguard Institutional Target Retirement 2040 Inv Fund |
| Vanguard Group Vanguard Institutional Target Retirement 2045 Inv Fund |
| Vanguard Group Vanguard Institutional Target Retirement 2050 Inv Fund |
| Vanguard Group Vanguard Institutional Target Retirement 2055 Inv Fund |
| Vanguard Group Vanguard Institutional Target Retirement 2060 Inv Fund |
| Vanguard Group Vanguard Institutional Target Retirement 2065 Inv Fund |
| Vanguard Group Vanguard Institutional Target Retirement 2070 Inv Fund |
| Victory Capital Management Victory Small Co Opp R6 Fund |
| Principal Funds Inc. LargeCap Growth I R6 Fund |
| TIAA-CREF Nuveen Equity Index R6 Fund |
| TIAA-CREF Nuveen Lg Cp Res Eq R6 |
| Vanguard Group Vanguard 500 Index Admiral Fund |
| Fidelity Management & Research Fidelity Small Cap Growth Fund |
| Voya Investment Management Voya Mid Cap OPPS I Fund |
| Massachusetts Financial Service Co Massachusetts Financial Mid Cap Value |
| Vanguard Group Vanguard Mid Cap Index Adm Fund |
| Vanguard Group Vanguard Small Cap Index Adm Fund |
| The American Funds Am Fds EuroPacific Grth R6 Fd |
| MFS Investment Management MFS Intrinsic Value R6 Fund |
| John Hancock Advisors, LLC John Hancock Disc Value R6 Fund |
| TIAA-CREF CREF Stock Account |
| TIAA-CREF CREF Social Choice Account |
| TIAA-CREF CREF Bond Market Account |
| TIAA-CREF CREF Global Equities Account |
| TIAA-CREF CREF Growth Account |
| TIAA-CREF CREF Equity Index Account |
| TIAA-CREF CREF Inflation-Linked Bond Account |
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 DES MOINES UNIVERSITY DEFINED CONTRIBUTION 403(B) 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
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