OCCIDENTAL COLLEGE 403(B) RETIREMENT PLAN Investment Options
Available Funds in OCCIDENTAL COLLEGE 403(B) RETIREMENT PLAN
Below is the lineup of investment options available to participants in OCCIDENTAL COLLEGE 403(B) RETIREMENT 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 |
|---|
| TIAA TIAA TRADITIONAL – NONBENEFIT RESPONSIVE |
| TIAA TIAA TRADITIONAL – BENEFIT RESPONSIVE |
| TIAA TIAA TRADITIONAL – NONBENEFIT RESPONSIVE 2 |
| TIAA TIAA TRADITIONAL – BENEFIT RESPONSIVE 2 |
| TIAA TIAA – STABLE VALUE (TIMVX) |
| TIAA TIAA REAL ESTATE (TCREX) |
| CREF CREF STOCK R2 (TLSTX) |
| CREF CREF MONEY MARKET R2 (TCIXX) |
| CREF CREF SOCIAL CHOICE R2 (TISCX) |
| CREF CREF BOND MARKET R2 (TIBDX) |
| CREF CREF GLOBAL EQUITIES R2 |
| CREF CREF GROWTH R2 (TIGRX) |
| CREF CREF EQUITY INDEX R2 (TCIEX) |
| CREF CREF INFLATION-LINKED BOND R2 (TIILX) |
| INVESCO INVESCO SMALL CAP VALUE Y (MPSCX) |
| LORD ABBETT LORD ABBETT DEVELOPING GROWTH FUND A (LADYX) |
| VANGUARD VANGUARD REAL ESTATE INDEX FUND (VGXRX) |
| VANGUARD VANGUARD SMALL-CAP INDEX FUND (VISVX) |
| VANGUARD VANGUARD TOTAL BOND MARKET INDEX FUND (VBMFX) |
| VANGUARD VANGUARD 500 INDEX FUND (VFINX) |
| INVESCO INVESCO DEVELOPING MARKETS R6 FUND (GTDIX) |
| AMERICAN FUNDS CAPITAL WORLD GROWTH & INCOME R6 FUND (CDWAX) |
| PRUDENTIAL PGIM JENNISON GROWTH Z FUND (PEGZX) |
| T. ROWE PRICE T.ROWE PRICE DIVIDEND GROWTH I FUND (PRDGX) |
| T. ROWE PRICE T. ROWE PRICE CAPITAL APPRECIATION I FUND (PRWCX) |
| MFS MFS VALUE R3 FUND (MINIX) |
| AMERICAN FUNDS EUROPACIFIC GROWTH FUND R6 (FEPUX) |
| TIAA-CREF TIAA-CREF LIFECYCLE INDEX 2010 INSTL (TCLEX) |
| TIAA-CREF TIAA-CREF LIFECYCLE INDEX 2015 INSTL (TCLIX) |
| TIAA-CREF TIAA-CREF LIFECYCLE INDEX 2020 INSTL (TCLTX) |
| TIAA-CREF TIAA-CREF LIFECYCLE INDEX 2025 INSTL (TCLFX) |
| TIAA-CREF TIAA-CREF LIFECYCLE INDEX 2030 INSTL (TCLNX) |
| TIAA-CREF TIAA-CREF LIFECYCLE INDEX 2035 INSTL (TCLRX) |
| TIAA-CREF TIAA-CREF LIFECYCLE INDEX 2040 INSTL (TCLOX) |
| TIAA-CREF TIAA-CREF LIFECYCLE INDEX 2045 INSTL (TTFIX) |
| TIAA-CREF TIAA-CREF LIFECYCLE INDEX 2050 INSTL (TFTIX) |
| TIAA-CREF TIAA-CREF LIFECYCLE INDEX 2055 INSTL (TTRLX) |
| TIAA-CREF TIAA-CREF LIFECYCLE INDEX 2060 INSTL (TLXHX) |
| TIAA-CREF TIAA-CREF LIFECYCLE INDEX 2065 INSTL (TFIHX) |
| BLACKROCK BLACKROCK MID-CAP GROWTH EQUITY K (CMGIX) |
| METROPOLITAN METROPOLITAN WEST TOTAL RETURN BOND FUND PLAN (MWTSX) |
| PARNASSUS CORE EQUITY FUND INVESTOR (PRBLX) |
| VICTORY SYCAMORE ESTABLISHED VALUE R6 (GETGX) |
| PGIM GLOBAL TOTAL RETURN R6 |
| TIAA-CREF TIAA-CREF SELF DIRECTED 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 OCCIDENTAL COLLEGE 403(B) RETIREMENT 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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