RANKEN TECHNICAL COLLEGE 403B PLAN Investment Options
Available Funds in RANKEN TECHNICAL COLLEGE 403B PLAN
Below is the lineup of investment options available to participants in RANKEN TECHNICAL COLLEGE 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.
| Investment Description |
|---|
| PIMCO GNMA & Govt Securities Instl 12,749 shares |
| Vanguard GNMA Admiral 14,851 shares |
| Vanguard Interm-Term Govt Bond Index 6,044 shares |
| PIMCO Investment Grade Corp Bond Index 66,479 shares |
| PIMCO Real Return Instl 4,158 shares |
| Vanguard InfProtect Secs Admiral 3,055 shares |
| PIMCO Global Adv Strat Bd Inst 13,258 shares |
| American Funds 2020 Target Date R6 7,934 shares |
| American Funds 2025 Target Date R6 34,885 shares |
| American Funds 2030 Target Date R6 34,236 shares |
| American Funds 2035 Target Date R6 23,963 shares |
| American Funds 2040 Target Date R6 4,278 shares |
| American Funds 2045 Target Date R6 10,461 shares |
| American Funds 2050 Target Date R6 8,116 shares |
| American Funds 2055 Target Date R6 5,953 shares |
| American Funds 2060 Target Date R6 6,455 shares |
| Vanguard Equity Income 5,766 shares |
| Vanguard Value Index Admiral 12,742 shares |
| American Funds Washington R6 22,029 shares |
| Vanguard Selected Value Inv 12,922 shares |
| Vanguard SmCap Val Indx Admiral 5,414 shares |
| Vanguard Extended Market Index Admiral 2,683 shares |
| PIMCO StockPlus Small Inst 27,125 shares |
| American Funds AMCAP R6 26,092 shares |
| Franklin DynaTech R6 1,338 shares |
| Vanguard Growth Index Admiral 8,474 shares |
| Vanguard Mid-Cap Growth Index 8,882 shares |
| Franklin Small Cap Growth R6 20,607 shares |
| American Funds EuroPacific Growth Fund R6 7,752 shares |
| Vanguard International Growth Admiral 1,833 shares |
| Vanguard Developing Markets Index Admiral 15,283 shares |
| Vanguard FTSE All World ex-US Small 6,548 shares |
| American Funds New World Fund A 4,167 shares |
| Vanguard Emerging Markets Stock Index A 6,787 shares |
| Vanguard REIT Index Admiral 2,134 shares |
| Standard Stable Asset Fund 2 38,414 shares |
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 RANKEN TECHNICAL COLLEGE 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% | … | … |
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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
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