IRC 403(B) RETIREMENT SAVINGS PLAN Investment Options
Available Funds in IRC 403(B) RETIREMENT SAVINGS PLAN
Below is the lineup of investment options available to participants in IRC 403(B) RETIREMENT SAVINGS 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 |
|---|
| T. Rowe Price Funds T. Rowe Price Retirement 2050 Fund I |
| T. Rowe Price Funds T. Rowe Price Retirement 2045 Fund I |
| Fidelity Investments Fidelity 500 Index |
| T. Rowe Price Funds T. Rowe Price Retirement 2055 Fund I |
| T. Rowe Price Funds T. Rowe Price Retirement 2035 Fund I |
| T. Rowe Price Funds T. Rowe Price Retirement 2040 Fund I |
| T. Rowe Price Funds T. Rowe Price Retirement 2060 Fund I |
| T. Rowe Price Funds T. Rowe Price Retirement 2030 Fund I |
| Principal Funds Inc. Principal Largecap Growth I R6 |
| Fidelity Investments Fidelity Small Cap Discovery |
| Fidelity Investments Fidelity Mid Cap Index |
| MFS Investment Management MFS Value R6 |
| T. Rowe Price Funds T. Rowe Price Retirement 2025 Fund I |
| T. Rowe Price Funds T. Rowe Price Retirement 2065 Fund I |
| Calvert Funds Calvert Balanced I |
| American Funds Service Company American Funds Europacific |
| Fidelity Investments Fidelity US Bond Index |
| Fidelity Investments Fidelity Global Ex US Index |
| Principal Funds Inc. Principal Diversified International Inst |
| American Century Investments American Century Small Cap Value R6 |
| Buffalo Funds Buffalo Mid Cap Discovery |
| Lord Abbett High Yield R6 |
| T. Rowe Price Funds T. Rowe Price Retirement 2020 Fund I |
| T. Rowe Price Funds T. Rowe Price Retirement 2015 Fund I |
| Principal Funds Inc. Principal Midcap value I Inst |
| Oppenheimer Invesco Developing Markets R6 |
| Harbor Harbor Small Cap Growth Retirement |
| 1TRUBX 1,398,328.87 |
| 1TRDBX 1,796,741.20 |
| 1TREHX 5,232,322.64 |
| 1TRFHX 10,382,633.00 |
| 1TRFJX 17,044,293.69 |
| 1TRHDX 14,499,758.29 |
| 1TRIKX 28,219,146.99 |
| 1TRJLX 32,936,999.72 |
| 1TRJMX 21,513,858.07 |
| 1TRLNX 14,351,636.54 |
| 1TRMOX 4,747,201.06 |
| 1RERGX 3,832,154.35 |
| 1FSGGX 2,526,706.98 |
| 1ODVIX 1,208,989.41 |
| 1PIIIX 2,646,088.85 |
| 1RRESX 1,485,181.92 |
| 1ASVDX 2,149,887.21 |
| 1FSSNX 5,846,465.85 |
| 1HNSGX 869,049.23 |
| 1BUFTX 2,385,411.61 |
| 1FSMDX 5,260,128.59 |
| 1PVMIX 1,446,146.43 |
| 1FXAIX 19,279,783.66 |
| 1MEIKX 5,786,411.66 |
| 1PLCGX 10,560,677.53 |
| 1CBAIX 3,396,050.76 |
| 1FXNAX 2,778,673.70 |
| 1LHYVX 2,119,910.27 |
| 1MRBKX 5,079,137.78 |
| 1P1220A 8,041,979.89 |
| FORFEITURES 342,345.54 |
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 IRC 403(B) RETIREMENT SAVINGS 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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