THE NEMOURS FOUNDATION SECTION 403(B) PLAN Investment Options
Available Funds in THE NEMOURS FOUNDATION SECTION 403(B) PLAN
Below is the lineup of investment options available to participants in THE NEMOURS FOUNDATION SECTION 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.
Total Available Funds: 201
| Investment Description |
|---|
| Allspring Special Small Cap Value I |
| American Funds EuroPacific Growth R5 |
| Carillon Eagle Mid Cap Growth I |
| DFA Emerging Markets I |
| Dodge & Cox Income |
| Fidelity 500 Index |
| Fidelity 500 Index Institutional Prem |
| Fidelity Asset Manager 20% Fund |
| Fidelity Asset Manager 50% Fund |
| Fidelity Asset Manager 60% Fund |
| Fidelity Asset Manager 70% Fund |
| Fidelity Asset Manager 85% Fund |
| Fidelity Balanced Fund |
| Fidelity Blue Chip Growth Fund |
| Fidelity Blue Chip Value Fund |
| Fidelity Canada Fund |
| Fidelity Capital & Income Fund |
| Fidelity Capital Appreciation Fund |
| Fidelity China Region Fund |
| Fidelity Contrafund Fund |
| Fidelity Corporate Bond Fund |
| Fidelity Disciplined Equity Fund |
| Fidelity Diversified International Fund |
| Fidelity Dividend Growth Fund |
| Fidelity Emerging Asia Fund |
| Fidelity Emerging Markets Fund |
| Fidelity Equity Dividend Income Fund |
| Fidelity Equity Income Fund |
| Fidelity Europe Fund |
| Fidelity Extended Market Index |
| Fidelity Focused Stock Fund |
| Fidelity Freedom 2010 Fund |
| Fidelity Freedom 2020 Fund |
| Fidelity Freedom 2025 Fund |
| Fidelity Freedom 2030 Fund |
| Fidelity Freedom 2035 Fund |
| Fidelity Freedom 2040 Fund |
| Fidelity Freedom 2045 Fund |
| Fidelity Freedom 2050 Fund |
| Fidelity Freedom Income K |
| Fidelity Freedom Index 2030 Fund – Institutional Premium Class |
| Fidelity Fund |
| Fidelity Global Credit Fund |
| Fidelity Global Equity Income Fund |
| Fidelity GNMA Fund |
| Fidelity Government Income Fund |
| Fidelity Growth & Income Portfolio |
| Fidelity Growth Company |
| Fidelity Growth Discovery Fund |
| Fidelity Growth Strategies Fund |
| Fidelity High Income Fund |
| Fidelity Inflation Protected Bond Index |
| Fidelity Intermediate Bond Fund |
| Fidelity Intermediate Government Income Fund |
| Fidelity International Capital Appreciation Fund |
| Fidelity International Discovery Fund |
| Fidelity International Growth Fund |
| Fidelity International Index |
| Fidelity International Small Cap Fund |
| Fidelity Investment Grade Bond Fund |
| Fidelity Japan Fund |
| Fidelity Long-Term Treasury Bond Index Fund |
| Fidelity Low – Priced Stock Fund |
| Fidelity Magellan Fund |
| Fidelity Mid Cap Index |
| Fidelity Mid Cap Index Premium |
| Fidelity Mid Cap Value Fund |
| Fidelity Mid-Cap Stock Fund |
| Fidelity Multi Asset IDX |
| Fidelity New Markets Income Fund |
| Fidelity New Millennium Fund |
| Fidelity OTC Portfolio |
| Fidelity Overseas Fund |
| Fidelity Pacific Basin Fund |
| Fidelity Puritan Fund |
| Fidelity Select Banking Portfolio |
| Fidelity Select Biotechnology Portfolio |
| Fidelity Select Chemicals Portfolio |
| Fidelity Select Comm Service |
| Fidelity Select Construction & Housing Portfolio |
| Fidelity Select Consumer Finance Portfolio |
| Fidelity Select Defense & Aerospace Portfolio |
| Fidelity Select Energy Portfolio |
| Fidelity Select Financial Services Portfolio |
| Fidelity Select Gold Portfolio |
| Fidelity Select Health Care Portfolio |
| Fidelity Select IT Services Portfolio |
| Fidelity Select Leisure Portfolio |
| Fidelity Select Medical Equipment and Systems Portfolio |
| Fidelity Select Natural Resources Portfolio |
| Fidelity Select Pharmaceuticals Portfolio |
| Fidelity Select Semiconductors |
| Fidelity Select Software & IT Services Portfolio |
| Fidelity Select Technology Portfolio |
| Fidelity Select Telecommunications Portfolio |
| Fidelity Select Transportation Portfolio |
| Fidelity Select Utilities Portfolio |
| Fidelity Short-Term Bond Fund |
| Fidelity Small Cap Discovery Fund |
| Fidelity Small Cap Growth Fund |
| Fidelity Small Cap Index |
| Fidelity Small Cap Stock Fund |
| Fidelity Small Cap Value Fund |
| Fidelity Stock Selector All Cap Fund |
| Fidelity Stock Selector Large Cap Value Fund |
| Fidelity Strategic Income Fund |
| Fidelity Trend Fund |
| Fidelity U.S. Bond Index |
| Fidelity Value Discovery Fund |
| Fidelity Value Fund |
| Fidelity Value Strategies Fund |
| Fidelity Worldwide Fund |
| MFS Growth R3 |
| MFS International Equity R6 |
| MFS Mid Cap Value R3 |
| VALIC Investments in Separate Accounts** N/A |
| Vanguard 500 Index Fund Admiral Shares |
| Vanguard Balanced Index Fund Admiral Shares |
| Vanguard Capital Opportunity Fund |
| Vanguard Core Bond Fund Admiral Shares |
| Vanguard Developed Markets Index Fund |
| Vanguard Diversified Equity Fund |
| Vanguard Dividend Appreciation Index Fund |
| Vanguard Dividend Growth Fund |
| Vanguard Dividend Yield Index – Adm |
| Vanguard Emerging Markets Select Stock Fund |
| Vanguard Emerging Markets Stock Index Fund |
| Vanguard Energy Fund Admiral Shares |
| Vanguard Equity Income Fund Admiral Shares |
| Vanguard Equity-Income Adm |
| Vanguard European Stock Index Fund |
| Vanguard Explorer Fund Admiral Shares |
| Vanguard Explorer Fund Investor Shares |
| Vanguard Explorer Value Fund |
| Vanguard Extended Market Index Fund |
| Vanguard FTSE All-World EX_US Index Fund |
| Vanguard FTSL All-World EX_US Small Cap – Adm |
| Vanguard Global Capital Cycles – Inv |
| Vanguard Global Equity Fund |
| Vanguard Global Wellington Fund Admiral |
| Vanguard GNMA Fund Admiral Shares |
| Vanguard Growth and Income Fund Admiral |
| Vanguard Growth and Income Fund Investor |
| Vanguard Growth Index Fund Admiral Share |
| Vanguard Health Care Fund Admiral Shares |
| Vanguard High – Yield Corporate Fund |
| Vanguard Inflation – Protected Secs-Adm |
| Vanguard Target Ret 2020 Fund |
| Vanguard Target Ret 2025 Fund |
| Vanguard Target Ret 2030 Fund |
| Vanguard Target Ret 2035 Fund |
| Vanguard Target Ret 2040 Fund |
| Vanguard Target Ret 2045 Fund |
| Vanguard Target Ret Income Fund |
| Vanguard Intermediate-Term Bond Index Fund |
| Vanguard Intermediate-Term Investment Growth |
| Vanguard Intermediate-Term Treasury Fund |
| Vanguard International Explorer Fund |
| Vanguard International Growth Fund |
| Vanguard International Value Fund |
| Vanguard Large-Cap Index Fund Admiral |
| Vanguard Lifestrategy Growth Fund |
| Vanguard Lifestrategy Income Fund |
| Vanguard Lifestrategy Moderate Growth Fund |
| Vanguard Long-Term Bond Index – Admiral |
| Vanguard Long-Term Investment – Grade Fund |
| Vanguard Long-Term Treasury Fund Admiral |
| Vanguard Long-Term Treasury Fund Investor |
| Vanguard Mid-Cap Growth Fund |
| Vanguard Mid-Cap Growth Index Fund Adm |
| Vanguard Mid-Cap Index Fund Admiral Shares |
| Vanguard Mid-Cap Value Index Fund Adm |
| Vanguard Pacific Stock Index Fund Adm |
| Vanguard Primecap Core Fund |
| Vanguard Primecap Fund Admiral Shares |
| Vanguard Selected Value Fund |
| Vanguard Short-Term Bond Index Fund |
| Vanguard Short-Term Federal Fund Admiral |
| Vanguard Short-Term Inflation-Protected |
| Vanguard Short-Term Investment-Grade Fund |
| Vanguard Short-Term Treasury Fund Admiral |
| Vanguard Small-Cap Growth Index Fund Adm |
| Vanguard Small-Cap Index Fund Admiral Shares |
| Vanguard Small-Cap Value Index Fund Admiral Shares |
| Vanguard Star Fund |
| Vanguard Strategic Equity Fund |
| Vanguard Strategic Small Cap Equity Fund |
| Vanguard U.S. Growth Fund Admiral Shares |
| Vanguard U.S. Growth Fund Investor Shares |
| Vanguard Value Index Fund Admiral Shares |
| Vanguard Wellesley Income Fund Admiral |
| Vanguard Wellesley Income Fund Investor |
| Vanguard Wellington Fund Admiral Shares |
| Vanguard Windsor Fund Admiral Shares |
| Vanguard Windsor Fund Investor Shares |
| Vanguard Windsor II Fund Admiral Shares |
| Vanguard Windsor II Fund Investor Shares |
| Transamerica Guaranteed Investment Option N/A |
| Transamerica 4.25% to 9.50% N/A |
| VALIC 2.00% to 3.00%** N/A |
| VALIC Investments in General Account N/A |
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 NEMOURS FOUNDATION SECTION 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% | … | … |
Data as of 05/01/2026, Common starting date is 12/31/2000
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