TIDES 403(B) RETIREMENT PLAN Investment Options
Available Funds in TIDES 403(B) RETIREMENT PLAN
Below is the lineup of investment options available to participants in TIDES 403(B) 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 Equity Index Registered investment companies |
| CREF Global Equities Registered investment companies |
| CREF Growth Registered investment companies |
| CREF Inflation-Linked Bond Registered investment companies |
| CREF Social Choice Registered investment companies |
| CREF Stock Registered investment companies |
| AMERICAN CENTURY GINNIE MAE R5 Registered investment companies |
| AMERICAN CENTURY MID CAP VALUE R6 Registered investment companies |
| AMERICAN FUNDS EUROPACIFIC GR R6 Registered investment companies |
| CALVERT US MID CAP CORE RSPNB IDX A Registered investment companies |
| DFA COMMODITY STRATEGY INSTITUTIONAL Registered investment companies |
| DODGE & COX INCOME FUND CLASS X Registered investment companies |
| FIDELITY EMERGING MARKETS INDEX Registered investment companies |
| FIDELITY INFLATION PROTECTED BOND INDEX Registered investment companies |
| FIDELITY INTL SUSTAINABILITY IDX Registered investment companies |
| FIDELITY SMALL CAP GROWTH K6 Registered investment companies |
| JANUS HENDERSON ENTERPRISE N Registered investment companies |
| JPMORGAN EQUITY INCOME R6 Registered investment companies |
| NUVEEN CORE IMPACT BOND R6 Registered investment companies |
| PARNASSUS CORE EQUITY—INV Registered investment companies |
| PUTNAM SHORT DURATION BOND Y Registered investment companies |
| T. ROWE PRICE 2010 FUND Registered investment companies |
| T. ROWE PRICE 2015 FUND Registered investment companies |
| T. ROWE PRICE 2020 FUND Registered investment companies |
| T. ROWE PRICE 2025 FUND Registered investment companies |
| T. ROWE PRICE 2030 FUND Registered investment companies |
| T. ROWE PRICE 2035 FUND Registered investment companies |
| T. ROWE PRICE 2040 FUND Registered investment companies |
| T. ROWE PRICE 2045 FUND Registered investment companies |
| T. ROWE PRICE 2050 FUND Registered investment companies |
| T. ROWE PRICE 2055 FUND Registered investment companies |
| T. ROWE PRICE 2060 FUND Registered investment companies |
| T. ROWE PRICE RETIREMENT BALANCED FUND Registered investment companies |
| VANGUARD FTSE ALL-WLD EX-US IDX ADMIRAL Registered investment companies |
| VANGUARD FTSE SOCIAL INDEX ADMIRAL Registered investment companies |
| VANGUARD INTERM-TERM BOND INDEX ADM Registered investment companies |
| VANGUARD MID CAP INDEX ADMIRAL Registered investment companies |
| VANGUARD SMALL CAP INDEX ADM Registered investment companies |
| VANGUARD SMALL CAP VALUE INDEX ADMIRAL Registered investment companies |
| VANGUARD US GROWTH ADM Registered investment companies |
| 9.5%, maturing through |
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 TIDES 403(B) 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
Looking for ideas to generate income?
- ETF or mutual fund income portfolios for 4-7% annual income
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