THE EPISCOPAL ACADEMY 403(B) DEFINED CONTRIBUTION RETIREMENT PLAN Investment Options
Available Funds in THE EPISCOPAL ACADEMY 403(B) DEFINED CONTRIBUTION RETIREMENT PLAN
Below is the lineup of investment options available to participants in THE EPISCOPAL ACADEMY 403(B) DEFINED CONTRIBUTION 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 |
|---|
| CREF Stock |
| CREF Social Choice |
| CREF Core Bond |
| CREF Global Equities |
| CREF Growth |
| CREF Equity Index |
| CREF Inflation-Linked Bond |
| American Fund New Perspective |
| Vanguard Lifestrategy Growth Fund |
| Vanguard Target Retirement 2055 Fund |
| Vanguard Balanced Index Fund Institutional Admiral |
| Nuveen LifeCycle Index 2020 |
| Nuveen LifeCycle Index 2030 |
| Nuveen LifeCycle Index 2040 |
| Nuveen LifeCycle Index 2050 |
| Nuveen LifeCycle Index 2060 |
| Nuveen LifeCycle Index Retirement Income |
| Nuveen Large Cap Responsible Equity |
| Vanguard Equity Income Fund Admiral |
| Vanguard Small-Cap Index Fund Admiral |
| Vanguard Mid-Cap Index Fund Admiral |
| Pacific Investment Income Fund Institutional |
| Vanguard 500 Index Admiral |
| Vanguard Extended Market |
| Vanguard Global Equity Fund |
| Vanguard Growth and Income Admiral |
| Vanguard Growth Index Fund Admiral |
| Vanguard High Dividend Yield Index – Admiral |
| Vanguard Large Cap Index Fund Admiral |
| Vanguard Lifestrategy Moderate Growth Fund |
| Vanguard Long-Term Investment Grade |
| Vanguard Long-Term Investment Grade Fund |
| Vanguard Primecap Fund Admiral Shares |
| Vanguard Small-Cap Growth Income Fund |
| Vanguard Small-Cap Value |
| Vanguard Star Fund |
| Vanguard Target Retirement 2040 Fund |
| Vanguard Target Retirement 2050 Fund |
| Vanguard Wellington Fund Admiral Shares |
| Vanguard Windsor II Fund Admiral Shares |
| Massachusetts Financial Mid Cap Value Fund |
| American Funds New World |
| Vanguard Health Care Admiral |
| Baird Short-Term Bond Fund Institutional |
| BlackRock Mid-Cap Growth Equity Fund Class K |
| American Century Small Cap Growth |
| JPMorgan Core Plus Bond Fund |
| Undiscovered Managers Behavioral Value |
| Vanguard LifeStrategy Conservative Growth Fund Investor |
| TIAA Traditional Non Benefit Responsive |
| TIAA Traditional Benefit Responsive |
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 THE EPISCOPAL ACADEMY 403(B) DEFINED CONTRIBUTION 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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