RELAY RESOURCES 403(B) RETIREMENT PLAN Investment Options
Available Funds in RELAY RESOURCES 403(B) RETIREMENT PLAN
Below is the lineup of investment options available to participants in RELAY RESOURCES 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 |
|---|
| Voya Voya Intermediate Bond Fund – Class I – |
| TIAA Investments CREF Stock Account – Class R1 – |
| Schwab Funds Schwab S&P 500 Index Fund – Select S – |
| MFS International Diversification R4 – |
| American Century Ultra Fund – Class R6 – |
| JPMorgan Equity Income Fund Class R6 – |
| American Century Small Cap Value Fund R6 Class – |
| TIAA Investments CREF Global Equities R1 – |
| TIAA Investments CREF Growth R1 – |
| Allspring Allspring Special Mid Cap Value R6 – |
| Carillon Carillon Eagle MidCAp GR FD R6 – |
| TIAA Investments CREF Equity Index R1 – |
| TIAA Investments CREF Core Bond R1 – |
| TIAA Investments TIAA Access Intl Equity T4 – |
| TIAA Investments CREF Inflation-Linked Bond R1 – |
| Vanguard Mid Cap Index Fund Admiral – |
| TIAA Investments CREF Social Choice R1 – |
| TIAA Investments TIAA Access Mid-Cap Val T4 – |
| TIAA Investments TIAA Access Core Bond Plus T4 – |
| TIAA Investments TIAA Access Lg-Cap Val T4 – |
| TIAA Investments TIAA Access Sm-Cap Bl Idx T4 – |
| American Funds American Balanced R6 – |
| TIAA Investments TIAA Access Real Est Secs T4 – |
| TIAA Investments TIAA Access Quant Sml Cp Eq T4 – |
| Schwab Funds Schwab Small Cap Index Select – |
| Hood River Capital Management Hood River Small Capital Growth Institutional Fund – |
| TIAA Investments Nuveen Large Cap Responsible – |
| American Funds New Perspective R6 – |
| TIAA Investments TIAA Access Nuv Core Equity T4 – |
| TIAA Investments TIAA Access Lifecycle 2035 T4 – |
| TIAA Investments TIAA Access Lifecycle Rtmt Inc T4 – |
| TIAA Investments TIAA Access Mid-Cap Gr T4 – |
| TIAA Investments TIAA Access Lifecycle 2040 T4 – |
| Standard Funds Standard Stable Asset A Fund*** – |
| TIAA Investments TIAA Traditional Non Benefit Responsive – |
| TIAA Investments TIAA Traditional Benefit Responsive*** – |
| TIAA Investments Plan Loan Default 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:
- 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 RELAY RESOURCES 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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