RIPPOWAM CISQUA SCHOOL 403(B) PLAN Investment Options
Available Funds in RIPPOWAM CISQUA SCHOOL 403(B) PLAN
Below is the lineup of investment options available to participants in RIPPOWAM CISQUA SCHOOL 403(B) 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 |
|---|
| CREF Stock |
| Nuveen Lifecycle Idx 2025-Prem |
| Nuveen Lifecycle Idx 2035-Prem |
| Nuveen Lifecycle Idx 2030-Prem |
| Nuveen Lifecycle Idx 2040-Prem |
| CREF Equity Index |
| CREF Growth |
| Nuveen Lifecycle Idx 2050-Prem |
| Nuveen Lifecycle Idx 2045-Prem |
| CREF Global Equities |
| Nuveen S&P 500 Idx-Rtmt |
| CREF Core Bond |
| CREF Social Choice |
| TIAA Access Nuv Lifecycle 2020 |
| Nuveen Lifecycle Idx 2055-Prem |
| The Hartford Dividend Grw |
| Nuveen Lifecycle Idx 2020-Prem |
| Calvert Bond Portfolio Class I |
| Nuveen Intl Eq Idx-Rtmt |
| Nuveen Lifecycle Idx 2060-Prem |
| TIAA Access Nuv Lg-Cap Val |
| TIAA Access Nuv Intl Equity |
| CREF Inflation-Linked Bond |
| TIAA Access Nuv Mid-Cap Val |
| TIAA Access Nuv Lifecycle 2030 |
| Vanguard Mid-Cap Idx Adm |
| Victory Syc Establish Value A |
| AF EuroPacific Growth Fund |
| Nuveen Lifecycle Idx 2010-Prem |
| TIAA Access Nuv Core Bond |
| TIAA Access Nuv Lifecycle 2025 |
| Goldman Sachs Inflt Pro Sec |
| BNY Mellon Small Cap Stk Idx Inv |
| TIAA Access Nuv Qt Small Cap Eq |
| American Funds New World R6 |
| TIAA Access Nuv Real Est Secs |
| TIAA Access Nuv Lifecycle 2040 |
| TIAA Access Nuv Lifecycle 2035 |
| Nuveen Lifecycle Idx 2065-Prem |
| TIAA Access Nuv Sm-Cap Bl Idx |
| TIAA Access Nuv LgCp Res Eq |
| AB Small Cap Growth Port A |
| MFS Growth Fund Class R3 |
| TIAA Access Nuv Mid-Cap Gr |
| Nuveen Lifecycle Idx 2015-Prem |
| Principal MidCap Fund |
| TIAA Access Nuv Core Equity |
| TIAA Access Nuv Lifecycle 2045 |
| Brought forward: |
| Carried forward: |
| TIAA Access Nuv Core Plus Bond |
| TIAA Access Nuv Lfcyle Rtmt Inc |
| TIAA Access Nuv Lg-Cap Gr |
| TIAA Access Nuv Lifecycle 2050 |
| Vanguard Small-Cap Val Idx Adm |
| Pioneer Strategic Income A |
| T. Rowe Price Short Term Bond Adv |
| TIAA Access Nuv Equity Index |
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 RIPPOWAM CISQUA SCHOOL 403(B) 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
- Passive real estate investments
- more …
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