PRAIRIE FIVE COMMUNITY ACTION COUNCIL 403B PLAN Investment Options

Available Funds in PRAIRIE FIVE COMMUNITY ACTION COUNCIL 403B PLAN

Below is the lineup of investment options available to participants in PRAIRIE FIVE COMMUNITY ACTION COUNCIL 403B 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.

Total Available Funds: 56
Investment Description
Mutual of America Interest Accumulation
American Funds Balanced R6
American Funds Income Fund Of Amer R6
American Funds New World R6
Delaware Sm Cap Val R6
Dfa Large Cap International I
Fidelity Contrafund K6
First Eagle Overseas R6
Mainstay Winslow Lc Gr R6
Mfs Mid Cap Value R6
Nuveen Lifecycle Idx 2015 R6
Nuveen Lifecycle Idx 2020 R6
Nuveen Lifecycle Idx 2025 R6
Nuveen Lifecycle Idx 2030 R6
Nuveen Lifecycle Idx 2035 R6
Nuveen Lifecycle Idx 2040 R6
Nuveen Lifecycle Idx 2045 R6
Nuveen Lifecycle Idx 2050 R6
Nuveen Lifecycle Idx 2055 R6
Nuveen Lifecycle Idx 2060 R6
Nuveen Lifecycle Idx 2065 R6
Prudential Jenn Midcap Grth R6
Pimco Real Return Instl
Vanguard Equity-Income Adm
Vanguard Explorer Adm
Vanguard Growth And Inc Adm
Vanguard Growth Index Adm
Vanguard Intl Gr Adm
Vanguard Mid Cap Index Adm
Vanguard Reit Index Adm
Vanguard Small Cap Index Adm
Vanguard Strategic Equity Inv
Vanguard Wellesley Income Adm
Mutual Of America Clear Passage 2035 Fund
Mutual Of America Clear Passage 2045 Fund
Mutual Of America Small Cap Growth Fund
Mutual Of America Clear Passage 2060 Fund
Mutual Of America Clear Passage 2055 Fund
Mutual Of America Fidelity Vip Equity-Income Portfolio
Mutual Of America Fidelity Vip Contrafund Portfolio
Mutual Of America T. Rowe Price Blue Chip Growth Portfolio
Mutual Of America Core Bond Fund
Mutual Of America Clear Passage 2065 Fund
Mutual Of America Vanguard Vif Diversified Value Portfolio
Mutual Of America Small Cap Value Fund
Mutual Of America Clear Passage 2050 Fund
Mutual Of America Clear Passage 2025 Fund
Mutual Of America Equity
Mutual Of America Balanced Fund
Mutual Of America American Century Investments Vp Capital Appreciation Fund
Mutual Of America Fidelity Vip Asset Manager Portfolio
Mutual Of America Mid Cap Equity
Mutual Of America Calvert Vp Sri Balanced Portfolio
Mutual Of America Fidelity Vip Mid Cap Portfolio
Mutual Of America Vanguard Vif International Portfolio
Mutual Of America International Fund

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:

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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 PRAIRIE FIVE COMMUNITY ACTION COUNCIL 403B 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%
Data as of 05/01/2026, Common starting date is 12/31/2000

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