THE NEW FOUNDATIONS RETIREMENT PLAN Investment Options
Available Funds in THE NEW FOUNDATIONS RETIREMENT PLAN
Below is the lineup of investment options available to participants in THE NEW FOUNDATIONS 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 |
|---|
| VALIC Science & Technology Fund Separate Account |
| VALIC Stock Index Fund Separate Account |
| VALIC Vanguard Windsor II Separate Account |
| VALIC Mid Cap Index Fund Separate Account |
| Principal Fixed Income Guaranteed Option Guaranteed Interest Account |
| VALIC Systematic Value Fund Separate Account |
| VALIC Growth Fund Separate Account |
| VALIC Mid Cap Strategic Growth Separate Account |
| TIAA CREF Growth Separate Account |
| VALIC Vanguard Wellington Fund Separate Account |
| VALIC Moderate Growth Lifestyle Separate Account |
| VALIC Aggressive Growth Lifestyle Separate Account |
| CREF Equity Index Separate Account |
| VALIC International Growth Fund Separate Account |
| VALIC Small Cap Index Fund Separate Account |
| (Continued) |
| VALIC International Socially Responsible Fund Separate Account |
| TIAA CREF Stock Separate Account |
| VALIC US Socially Responsible Fund Separate Account |
| VALIC Ariel Appreciation Fund Separate Account |
| VALIC Mid Cap Value Fund Separate Account |
| VALIC Dividend Value Separate Account |
| VALIC Asset Allocation Fund Separate Account |
| VALIC Ariel Fund Separate Account |
| VALIC Systematic Growth Fund Separate Account |
| VALIC International Equities Index Fund Separate Account |
| VALIC Systematic Core Fund Separate Account |
| VALIC Large Capital Growth Separate Account |
| VALIC Small CAP Growth Fund Separate Account |
| VALIC Emerging Economies Separate Account |
| VALIC Small Cap Special Value Fund Separate Account |
| VALIC Core Bond Fund Separate Account |
| VALIC High Yield Bond Fund Separate Account |
| VALIC Small Cap Value Fund Separate Account |
| VALIC Conservative Growth Lifestyle Separate Account |
| VALIC International Opportunities Separate Account |
| VALIC Capital Appreciation Separate Account |
| VALIC Invesco Balanced Risk Commodity Str R5 Separate Account |
| VALIC Inflation Protected Fund Separate Account |
| VALIC Global Strategy Separate Account |
| VALIC International Value Fund Separate Account |
| VALIC International Government Bond Separate Account |
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 NEW FOUNDATIONS 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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