FRAUNHOFER USA 403(B) PLAN Investment Options
Available Funds in FRAUNHOFER USA 403(B) PLAN
Below is the lineup of investment options available to participants in FRAUNHOFER USA 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 |
|---|
| American American Beacon Sm Cap Value A |
| American Cent MdCpVa Fd Cla R6 |
| American EuroPac Growth R6 |
| Cohen & Steers Cohen & Steers Real Est Sec Z |
| Dodge & Cox Dodge & Cox Income Fund – Cl X |
| Hermes FedHermes Shrt-Term Inc Svc |
| John Hancock Disciplnd Val R6 |
| Main Stay MainStay Large Cap Growth I |
| Parnassus Parnassus Core Equity Inst |
| PIMCO Income Fd Institutional |
| T. Rowe Price Inst M-C Eq Grw |
| T. Rowe Price QM US Sm CpGrwEqI |
| TIAA-CREF TIAA-CREF Lifecycle 2015-Inst |
| TIAA-CREF Lifecycle 2020-Inst |
| TIAA-CREF Lifecycle 2025-Inst |
| TIAA-CREF Lifecycle 2030-Inst |
| TIAA-CREF Lifecycle 2035-Inst |
| TIAA-CREF Lifecycle 2040-Inst |
| TIAA-CREF Lifecycle 2045-Inst |
| TIAA-CREF Lifecycle 2050-Inst |
| TIAA-CREF Lifecycle 2055-Inst |
| TIAA-CREF Lifecycle 2060-Inst |
| TIAA-CREF Lifecycle 2065-Inst |
| Vanguard 500 Idx Adm |
| Vanguard Extended Mkt Idx Adm |
| Vanguard Federal Money Mkt Inv |
| Vanguard Infl Protect Sec Adm |
| Vanguard Intl Growth Adm |
| Vanguard Ttl Bd Mkt Idx Adm |
| Vanguard Ttl Intl Stk Idx Adm |
| TIAA-CREF TIAA Access Core Bond Plus T4 |
| TIAA Access Equity Index T4 |
| TIAA Access Growth & Income T4 |
| TIAA Access Intl Equity T4 |
| TIAA Access Lg-Cap Gr T4 |
| TIAA Access Lg-Cap Val T4 |
| TIAA Access Lifecycle 2025 T4 |
| TIAA Access Lifecycle 2030 T4 |
| TIAA Access Lifecycle 2035 T4 |
| TIAA Access Lifecycle 2040 T4 |
| TIAA Access Lifecycle 2045 T4 |
| TIAA Access Lifecycle 2050 T4 |
| TIAA Access Lifecycle 2055 T4 |
| TIAA Access Lifecycle 2060 T4 |
| TIAA Access Mid-Cap Gr T4 |
| TIAA Access Mid-Cap Val T4 |
| TIAA Access Quant Sml Cp Eq T4 |
| TIAA Access Real Est Secs T4 |
| TIAA Access Sm-Cap Bl Idx T4 |
| TIAA Access Social Ch Eq T4 |
| CREF Core Bond R2 |
| CREF Equity Index R2 |
| CREF Global Equities R2 |
| CREF Growth R2 |
| CREF Inflation-Linked Bond R2 |
| CREF Social Choice R2 |
| CREF Stock R2 |
| Responsive |
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 FRAUNHOFER USA 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
Looking for ideas to generate income?
- ETF or mutual fund income portfolios for 4-7% annual income
- Dividend stock funds
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