LETOURNEAU UNIVERSITY 403(B) ANNUITY PLAN Investment Options
Available Funds in LETOURNEAU UNIVERSITY 403(B) ANNUITY PLAN
Below is the lineup of investment options available to participants in LETOURNEAU UNIVERSITY 403(B) ANNUITY 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 Option List |
|---|
| CREF Stock 5,478 units |
| CREF Social Choice 2,949 units (TISCX) |
| CREF Core Bond 3,879 units |
| CREF Global Equities 6,210 units |
| CREF Growth 5,300 units |
| CREF Equity Index 2,724 units |
| CREF Inflation-Linked Bond 3,575 units (TIILX) |
| Baird Aggregate Bond Fund Inv. 163,218 shares (BAGIX) |
| MFS Investors Growth Stock R3 13,723 shares (MGTIX) |
| Principal Div Real Asset Inst 1,675 shares (PDSKX) |
| American EuroPac Growth R6 109,541 shares |
| MassMutual Mid Cap Growth I 13,380 shares (MEFYX) |
| Putnam Large Cap Value Fund Y 37,919 shares (PMVYX) |
| American Fd New Perspective R6 30,500 shares (NPFBX) |
| Vanguard Infl Protect Sec Adm 12,289 shares |
| Vanguard Inst Idx Inst 23,896 shares |
| Vanguard Small-Cap Idx Adm 10,287 shares (VISVX) |
| EatonVanceEmergingMrktsLclIncI 100,315 shares |
| PIMCO Intl Bd USDolHed Inst 99,510 shares |
| PIMCO High Yield Institutional 178,385 shares (PHSPX) |
| PIMCO Income Fd Institutional 58,171 shares (PFIIX) |
| TIAA Access Nuv Core Bond 131 shares |
| TIAA Access Nuv Core Pl Bd 170 shares |
| TIAA Access Nuv Core Equity 11 shares |
| TIAA Access Nuv Intl Equity 311 shares |
| TIAA Access Nuv Lrg Cap Val 17 shares |
| TIAA Access Nuv LifCyc 2010 1,209 shares |
| TIAA Access Nuv LifCyc 2015 107 shares |
| TIAA Access Nuv LifCyc 2020 573 shares |
| TIAA Access Nuv LifCyc 2025 3 shares |
| TIAA Access Nuv LifCyc 2030 1,254 shares |
| TIAA Access Nuv LifCyc 2035 87 shares |
| TIAA Access Nuv LifCyc 2040 6,257 shares |
| TIAA Access Nuv LifCyc 2045 295 shares |
| TIAA Access Nuv Mid Cap Val 342 shares (TIMVX) |
| TIAA Access Nuv Money Mkt 551 shares |
| TIAA Access Nuv Sm Cp Bl Ix 66 shares |
| TIAA Access Nuv Qt Sm Cp Eq 160 shares |
| Vanguard Federal Money Mkt Inv 372,213 shares (VMFXX) |
| Vanguard REIT Idx Adm 2,775 shares (VGSIX) |
| Victory Syc Establish Value A 19,084 shares |
| ClearBride Small Cp Growth IS 11,266 shares |
| Delaware Small Cap Val Inst 8,659 shares (ASOIX) |
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 LETOURNEAU UNIVERSITY 403(B) ANNUITY 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
- Passive real estate investments
- more …
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