POMFRET SCHOOL 403(B) RETIREMENT PLAN Investment Options
Available Funds in POMFRET SCHOOL 403(B) RETIREMENT PLAN
Below is the lineup of investment options available to participants in POMFRET SCHOOL 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 Description |
|---|
| T. Rowe Price Retirement 2030 Fund |
| T. Rowe Price Retirement 2035 Fund |
| T. Rowe Price Retirement 2045 Fund |
| T. Rowe Price Retirement 2050 Fund |
| T. Rowe Price Retirement 2040 Fund |
| T. Rowe Price Retirement 2025 Fund |
| T. Rowe Price Retirement 2055 Fund |
| JPMorgan Equity Income Fund |
| JPMorgan Large-Cap Growth Fund |
| American Funds New Perspective Fund |
| Nuveen Lifecycle 2030 Fund |
| T. Rowe Price Overseas Stock Fund |
| T. Rowe Price Retirement 2020 Fund |
| Calvert Resource Management Calvert US Large-Cap Core Responsible |
| Columbia Threadneedle Columbia Mid-Cap |
| T. Rowe Price Retirement 2060 Fund |
| Nuveen Small-Cap Blend |
| Nuveen International Equity Fund |
| Nuveen Lifecycle 2035 Fund |
| JPMorgan Mid Cap-Growth Fund |
| Vanguard Mid-Cap |
| Goldman Sachs Small-Cap Value Fund |
| Nuveen Lifecycle 2040 Fund |
| T. Rowe Price Retirement 2015 Fund |
| Nuveen Quant Small-Cap Equity Fund |
| Nuveen Mid-Cap Growth Fund |
| BlackRock Inflation Protected Bond Fund |
| Allspring Allspring Core Bond Fund |
| MFS Investment Management MFS Mid-Cap Value Fund |
| T. Rowe Price Retirement 2010 Fund |
| Nuveen Lifecycle 2045 Fund |
| Nuveen Lifecycle 2025 Fund |
| Columbia Threadneedle Columbia Balanced Fund |
| T. Rowe Price Retirement 2065 Fund |
| Nuveen Lifecycle 2050 Fund |
| Nuveen Lifecycle 2010 Fund |
| Nuveen Lifecycle 2015 Fund |
| Nuveen Lifecycle 2020 Fund |
| Nuveen Lifecycle 2055 Fund |
| Goldman Sachs Small-Cap Growth Insights Fund |
| CREF CREF Stock Account |
| CREF CREF Growth Account |
| CREF CREF Equity Index Account |
| CREF CREF Global Equities Account |
| CREF CREF Social Choice Account |
| CREF CREF Core Bond Account |
| CREF CREF Inflation-Linked Bond Account |
| various dates, secured by participant account balances. |
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 POMFRET SCHOOL 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
Looking for ideas to generate income?
- ETF or mutual fund income portfolios for 4-7% annual income
- Dividend stock funds
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