UMA SUPPLEMENTAL 403(B) PLAN Investment Options
Available Funds in UMA SUPPLEMENTAL 403(B) PLAN
Below is the lineup of investment options available to participants in UMA SUPPLEMENTAL 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 |
|---|
| Charles Schwab & Co., Inc. Personal Choice Retirement Accounts |
| Allspring Special Small Cap Value Fund |
| American Funds Europacific Growth |
| Black Rock Mid Cap Growth Equity |
| Harbor Capital Appreciation Fund Institutional |
| JP Morgan Equity Income |
| Loomis Sayles Small Cap Growth |
| MFS Mid Cap Value Fund |
| T.Rowe Price Retirement 2005 I |
| T.Rowe Price Retirement 2010 I |
| T.Rowe Price Retirement 2015 I |
| T.Rowe Price Retirement 2020 I |
| T.Rowe Price Retirement 2025 I |
| T.Rowe Price Retirement 2030 I |
| T.Rowe Price Retirement 2035 I |
| T.Rowe Price Retirement 2040 I |
| T.Rowe Price Retirement 2045 I |
| T.Rowe Price Retirement 2050 I |
| T.Rowe Price Retirement 2055 I |
| T.Rowe Price Retirement 2060 I |
| T.Rowe Price Retirement 2065 I |
| Vanguard Extended Market Index Institutional |
| Vanguard Institutional Index Fund |
| Vanguard Bond Market Index Instl |
| Vanguard 500 Index Fund Admiral |
| Vanguard Capital Opportunity Fund |
| Vanguard Developed Markets Index Fund |
| Vanguard Emerging Markets Stock Index |
| Vanguard Energy Fund Admiral Shares |
| Vanguard Equity Income Fund |
| Vanguard Explorer Fund |
| Vanguard Explorer Value Fund |
| Vanguard FTSE All-World Ex-US Small Cap Fund |
| Vanguard FTSE All-World Ex-US Index Fund |
| Vanguard Wellington Fund Admiral |
| Vanguard Growth and Income Fund Investor |
| Vanguard Growth Index Fund Admiral |
| Vanguard High-Yield Corporate Fund |
| Vanguard Inflation-Protected Securities Fund Admiral Shares |
| Vanguard Intermediate-Term Investment Growth |
| Vanguard International Explorer Fund |
| Vanguard International Growth Fund Admiral |
| Vanguard Large-Cap Index Fund Admiral |
| Vanguard Lifestrategy Conservative Growth |
| Vanguard Lifestrategy Growth Fund |
| Vanguard Lifestrategy Moderate Growth Fund |
| Vanguard Mid-Cap Growth Fund Admiral |
| Vanguard Global Capital Cycles Fund |
| Vanguard Selected Value Fund |
| Vanguard Short-term Inflation-Protected |
| Vanguard Short-term Investment Grade Fund |
| Vanguard Small-Cap Index Fund Investor |
| Vanguard Small-Cap Value Index Fund Admiral |
| Vanguard Star Fund |
| Vanguard Target Retirement 2030 Fund |
| Vanguard Target Retirement 2035 Fund |
| Vanguard Target Retirement 2040 Fund |
| Vanguard Target Retirement 2045 Fund |
| Vanguard Target Retirement 2050 Fund |
| Vanguard Bond Market Index Fund Admiral |
| Vanguard U.S. Growth Fund Admiral |
| Vanguard U.S. Growth Fund Investor |
| Vanguard Value Index Fund Admiral |
| Vanguard Windsor Fund Admiral |
| Vanguard Windsor Fund Investor |
| Vanguard Windsor II Fund Admiral |
| Fidelity Fund |
| Fidelity Select Tech Hardware Portfolio |
| Fidelity Select Semiconduct |
| Fidelity Leverged Stock |
| Fidelity Magellan Fund |
| Fidelity Contrafund |
| Fidelity Growth Company |
| Fidelity Investment Grade Bond Fund |
| Fidelity Growth & Income Fund |
| Fidelity Capital & Income Fund |
| Fidelity Value Fund |
| Fidelity Select Biotech Portfolio |
| Fidelity Government Income Fund |
| Fidelity Select Energy Portfolio |
| Fidelity Select Technology Portfolio |
| Fidelity Balanced Fund |
| Fidelity International Discovery Fund |
| Fidelity Capital Appreciation Fund |
| Fidelity Canada Fund |
| Fidelity Blue Chip Growth Fund |
| Fidelity Asset Manager 50% Fund |
| Fidelity Asset Manager 70% Fund |
| Fidelity Low Priced Stock Fund |
| Fidelity Equity Dividend Income Fund |
| Fidelity Growth Strategies Fund |
| Fidelity Diversified International Fund |
| Fidelity Dividend Growth Fund |
| Fidelity New Markets Income Fund |
| Fidelity Focused Stock Fund |
| Fidelity Stock Selector Small Cap Fund |
| Fidelity Mid Cap Stock Fund |
| Fidelity Large Cap Stock Fund |
| Fidelity Small Cap Stock Fund |
| Fidelity Select Medical Technology and Devices Portfolio |
| Fidelity Four in One Index Fund |
| Fidelity Freedom 2015 K |
| Fidelity Freedom 2020 K |
| Fidelity Freedom 2030 K |
| Fidelity Freedom 2035 K |
| Fidelity Freedom 2040 K |
| Fidelity Small Cap Discovery Fund |
| Fidelity Short Term Bond Fund |
| Fidelity Select Health Care Services Portfolio |
| Fidelity Floating Rate High Income Fund |
| Fidelity International Small Cap Fund |
| Fidelity Small Cap Value Fund |
| Fidelity International Index Fund |
| Fidelity 500 Index Fund |
| Fidelity Stock Selector Mid Cap Fund |
| Fidelity Inflation Protected Bond Index Fund |
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 UMA SUPPLEMENTAL 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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