HERITAGE HALL 403(B) DC AND TDA PLAN Investment Options
Available Funds in HERITAGE HALL 403(B) DC AND TDA PLAN
Below is the lineup of investment options available to participants in HERITAGE HALL 403(B) DC AND TDA 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 Traditional Non-Benefit Responsive |
| CREF CREF Stock R1 |
| CREF CREF Social Choice R1 |
| CREF CREF Core Bond R1 |
| CREF CREF Global Equities R1 |
| CREF CREF Growth R1 |
| CREF CREF Equity Index R1 |
| CREF CREF Inflation-Linked Bond R1 |
| TIAA Access Nuv Core Pl Bd T4 (1) |
| TIAA Access Nuv Core Bond T4 |
| TIAA Access Nuv Equity Idx T4 |
| TIAA Access Nuv Core Equity T4 (1) |
| TIAA Access Nuv Infl Lnk Bd T4 (1) |
| TIAA Access Nuv Intl Equity T4 |
| TIAA Access Nuv LfCy Rt Inc T4 |
| TIAA Access Nuv Lrg Cap Val T4 |
| TIAA Access Nuv LifCyc 2015 T4 |
| TIAA Access Nuv LifCyc 2025 T4 |
| TIAA Access Nuv LifCyc 2030 T4 |
| TIAA Access Nuv LifCyc 2035 T4 |
| TIAA Access Nuv LifCyc 2040 T4 |
| TIAA Access Nuv LifCyc 2045 T4 |
| TIAA Access Nuv LifCyc 2050 T4 |
| TIAA Access Nuv Mid Cap Grw T4 (1) |
| TIAA Access Nuv Mid Cap Val T4 |
| TIAA Access Nuv Money Mkt T4 |
| TIAA Access Nuv Rlestsecsel T4 |
| TIAA Access Nuv Sm Cp Bl Ix T4 (1) |
| TIAA Access Nuv Qt Sm Cp Eq T4 |
| TIAA Access Nuv Lgcp Res Eq T4 |
| TIAA Access Nuv LifCyc 2055 T4 (1) |
| TIAA Access Nuv LifCyc 2060 T4 (1) |
| TIAA-CREF Nuveen Internatl Eq Idx R6 |
| DFA LTIP Port Institutional |
| Schwab Schwab S&P |
| State Street Aggrgte Bnd Idx K |
| State Street Sm Md Cp Eq Idx K |
| State Street Equity 500 Indx K |
| Vanguard Federal Money Mkt Inv (1) |
| Vanguard Small-Cap Idx Adm (1) |
| Vanguard FTSE Social Index Adm |
| Vanguard Ttl Intl Bnd Idx Adm |
| Vanguard Growth Index Adm |
| Vanguard Value Index Adm (1) |
| Vanguard Small-Cap Grw Idx Adm |
| Vanguard Small-Cap Val Idx Adm |
| Vanguard Ttl Intl Stk Idx Adm |
| Vanguard Emr Mkts Stk Idx Adm |
| Vanguard Short-Trm Bd Idx Adm |
| TIAA Traditional Benefit Responsive |
| 8.75% – 9.50%, to be repaid through 2029 – |
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 HERITAGE HALL 403(B) DC AND TDA 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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