403(B) THRIFT PLAN FOR EMPLOYEES OF ABILITY BEYOND DISABILITY, INC. Investment Options
Available Funds in 403(B) THRIFT PLAN FOR EMPLOYEES OF ABILITY BEYOND DISABILITY, INC.
Below is the lineup of investment options available to participants in 403(B) THRIFT PLAN FOR EMPLOYEES OF ABILITY BEYOND DISABILITY, INC.. 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 |
|---|
| Mutual of America Mutual of America Equity Index Fund N/R |
| Mutual of America Mutual of America Aggressive Allocation N/R |
| Mutual of America Mutual of America 2025 Retirement N/R |
| Mutual of America Mutual of America Moderate Allocation N/R |
| Mutual of America Mutual of America 2035 Retirement N/R |
| Mutual of America Mutual of America 2030 Retirement N/R |
| Mutual of America Mutual of America 2040 Retirement N/R |
| Mutual of America Mutual of America 2045 Retirement N/R |
| Fidelity VIP Contrafund Portfolio N/R |
| Mutual of America Mutual of America 2050 Retirement N/R |
| American Century VP Capital N/R |
| Mutual of America Mutual of America 2055 Retirement N/R |
| DWS DWS Capital Growth VIP N/R |
| Mutual of America Mutual of America 2065 Retirement N/R |
| T.Rowe Price T. Rowe Price Blue Chip Growth N/R |
| Mutual of America Mutual of America 2060 Retirement N/R |
| Vanguard VIF International Portfolio N/R |
| Fidelity VIP Equity-Income Portfolio N/R |
| Mutual of America Mutual of America 2020 Retirement N/R |
| Mutual of America Mutual of America Mid-Cap Equity Index N/R |
| Mutual of America Mutual of America Small Cap Growth N/R |
| Fidelity VIP Mid Cap Portfolio N/R |
| Mutual of America Mutual of America Bond Fund N/R |
| Mutual of America Mutual of America Small Cap Value N/R |
| Mutual of America Mutual of America Mid-Term Bond Fund N/R |
| Fidelity VIP Asset Manager Portfolio N/R |
| Vanguard VIF Diversified Value Portfolio N/R |
| Mutual of America Mutual of America All America Fund N/R |
| Mutual of America Mutual of America Composite Fund N/R |
| Mutual of America Mutual of America Conservative N/R |
| Mutual of America Mutual of America Mid Cap Value Fund N/R |
| Mutual of America Mutual of America Retirement Income N/R |
| Mutual of America Mutual of America 2015 Retirement N/R |
| Neuberger Berman Neuberger Berman AMT Sustainable N/R |
| Oppenheimer VA Main Street Fund N/R |
| Goldman Sachs VIT Small Cap Eq N/R |
| PIMCO VIT Real Return Institutional N/R |
| Mutual of America Mutual of America Small Cap Equity N/R |
| Calvert Social Calvert Social Balanced Fund N/R |
| Mutual of America Mutual of America International Fund N/R |
| Goldman Sachs VIT US Equity Insights N/R |
| Victory Victory RS Small Cap Growth Equity VIP N/R |
| Delaware VIP Small Cap Value Series N/R |
| MFS Investment Management MFS VIT III Mid Cap Value Portfolio N/R |
| Mutual of America Mutual of America Interest Accumulation N/R |
| Mutual of America American Century Investments VP Capital Appreciation Fund |
| Mutual of America Calvert VP SRI Balanced Portfolio |
| Mutual of America Delaware VIP Small Cap Value Series |
| Mutual of America DWS Capital Growth VIP |
| Mutual of America Fidelity VIP Asset Manager Portfolio |
| Mutual of America Fidelity VIP Contrafund Portfolio |
| Mutual of America Fidelity VIP Equity-Income Portfolio |
| Mutual of America Fidelity VIP Mid Cap Portfolio |
| Mutual of America Goldman Sachs VIT Small Cap Equity Insights Fund |
| Mutual of America Goldman Sachs VIT US Equity Insights Fund |
| Mutual of America Invesco V.I. Main Street Fund |
| Mutual of America MFS VIT III Mid Cap Value Portfolio |
| Mutual of America MoA Aggressive Allocation Fund |
| Mutual of America MoA All America Fund |
| Mutual of America MoA Balanced Fund |
| Mutual of America MoA Clear Passage 2015 Fund |
| Mutual of America MoA Clear Passage 2020 Fund |
| Mutual of America MoA Clear Passage 2025 Fund |
| Mutual of America MoA Clear Passage 2030 Fund |
| Mutual of America MoA Clear Passage 2035 Fund |
| Mutual of America MoA Clear Passage 2040 Fund |
| Mutual of America MoA Clear Passage 2045 Fund |
| Mutual of America MoA Clear Passage 2050 Fund |
| Mutual of America MoA Clear Passage 2055 Fund |
| Mutual of America MoA Clear Passage 2060 Fund |
| Mutual of America MoA Clear Passage 2065 Fund |
| Mutual of America MoA Conservative Allocation Fund |
| Mutual of America MoA Core Bond Fund |
| Mutual of America MoA Equity |
| Mutual of America MoA Intermediate Bond Fund |
| Mutual of America MoA International Fund |
| Mutual of America MoA Mid Cap Equity |
| Mutual of America MoA Mid Cap Value Fund |
| Mutual of America MoA Moderate Allocation Fund |
| Mutual of America MoA Retirement Income Fund |
| Mutual of America MoA Small Cap Equity |
| Mutual of America MoA Small Cap Growth Fund |
| Mutual of America MoA Small Cap Value Fund |
| Mutual of America Mutual of America Interest Accumulation Account |
| Mutual of America Neuberger Berman AMT Sustainable Equity Portfolio |
| Mutual of America PIMCO VIT Real Return Portfolio |
| Mutual of America T. Rowe Price Blue Chip Growth Portfolio |
| Mutual of America Vanguard VIF Diversified Value Portfolio |
| Mutual of America Vanguard VIF International Portfolio |
| Mutual of America Victory RS Small Cap Growth Equity VIP Series |
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 403(B) THRIFT PLAN FOR EMPLOYEES OF ABILITY BEYOND DISABILITY, INC.. 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
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