RIVIER UNIVERSITY 403(B) PLAN Investment Options
Available Funds in RIVIER UNIVERSITY 403(B) PLAN
Below is the lineup of investment options available to participants in RIVIER UNIVERSITY 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 |
|---|
| American Cent MdCpVa Fd Cla R6 |
| Blackrock Infl Protected Bd K |
| Columbia Dividend Income Inst3 |
| Delaware Ivy Mid Cap Growth R6 |
| DFA Glob RE Securities Inst |
| DFA Em Markets Val Inst |
| JPMorgan Large Cap Growth R6 |
| PIMCO Income Fd Institutional |
| PIMCO Global Bond Opp Fund Inst |
| T. Rowe Price Overseas Stock |
| TIAA and CREF CREF Core Bond R1 |
| TIAA and CREF CREF Equity Index R1 |
| TIAA and CREF CREF Global Equities R1 |
| TIAA and CREF CREF Growth R1 |
| TIAA and CREF CREF Inflation-Linked Bond R1 |
| TIAA and CREF CREF Social Choice R1 |
| TIAA and CREF CREF Stock R1 |
| TIAA and CREF TIAA Access Core Bond Plus T4 |
| TIAA and CREF TIAA Access Equity Index T4 |
| TIAA and CREF TIAA Access Core Equity T4 |
| TIAA and CREF TIAA Access Intl Equity T4 |
| TIAA and CREF TIAA Access Lfcyle Rtmt Inc T4 |
| TIAA and CREF TIAA Access Lg-Cap Gr T4 |
| TIAA and CREF TIAA Access Lg-Cap Val T4 |
| TIAA and CREF TIAA Access Lifecycle 2020 T4 |
| TIAA and CREF TIAA Access Lifecycle 2025 T4 |
| TIAA and CREF TIAA Access Lifecycle 2030 T4 |
| TIAA and CREF TIAA Access Lifecycle 2035 T4 |
| TIAA and CREF TIAA Access Lifecycle 2040 T4 |
| TIAA and CREF TIAA Access Lifecycle 2045 T4 |
| TIAA and CREF TIAA Access Lifecycle 2050 T4 |
| TIAA and CREF TIAA Access Mid-Cap Gr T4 |
| TIAA and CREF TIAA Access Mid-Cap Val T4 |
| TIAA and CREF TIAA Access Quant Sml Cp Eq T4 |
| TIAA and CREF TIAA Access Real Est Secs T4 |
| TIAA and CREF TIAA Access Sm-Cap Bl Idx T4 |
| TIAA and CREF TIAA Access Lg-Cap Res Eq T4 |
| TIAA and CREF Lifecycle Index 2015 Inst |
| TIAA and CREF Lifecycle Index 2020 Inst |
| TIAA and CREF Lifecycle Index 2025 Inst |
| TIAA and CREF Lifecycle Index 2030 Inst |
| TIAA and CREF Lifecycle Index 2035 Inst |
| TIAA and CREF Lifecycle Index 2040 Inst |
| TIAA and CREF Lifecycle Index 2045 Inst |
| TIAA and CREF Lifecycle Index 2050 Inst |
| TIAA and CREF Lifecycle Index 2055 Inst |
| TIAA and CREF Lifecycle Index 2060 Inst |
| TIAA and CREF Lifecycle Index 2065 Inst |
| TIAA and CREF Lifecycle Index Rtln Inst |
| TIAA and CREF CREF Stock R4 |
| TIAA and CREF CREF Social Choice R4 |
| Vanguard 500 Idx Adm |
| Vanguard Mid-Cap Idx Adm |
| Vanguard Small-Cap Idx Adm |
| Vanguard Ttl Bd Mkt Idx Adm |
| Vanguard Ttl Intl Stk Idx Adm |
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 RIVIER UNIVERSITY 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
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