403(B) THRIFT PLAN FOR EMPLOYEES OF SOUTHEASTERN COMMUNITY ACTION PARTNERSHIP, INC. Investment Options
Available Funds in 403(B) THRIFT PLAN FOR EMPLOYEES OF SOUTHEASTERN COMMUNITY ACTION PARTNERSHIP, INC.
Below is the lineup of investment options available to participants in 403(B) THRIFT PLAN FOR EMPLOYEES OF SOUTHEASTERN COMMUNITY ACTION PARTNERSHIP, 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 |
|---|
| Lincoln National Fixed Account |
| Mutual of America Interest Accumulation Account |
| Lincoln National AB VPS Global Thematic Growth |
| Lincoln National American Funds Growth |
| Lincoln National American Funds Growth-Income |
| Lincoln National American Funds International |
| Lincoln National BlackRock Global Allocation |
| Lincoln National Delaware VIP REIT |
| Lincoln National Delaware VIP Small Cap Value |
| Lincoln National Delaware VIP SMID Cap Growth |
| Lincoln National Delaware VIP Value |
| Lincoln National Fidelity VIP Contrafund |
| Lincoln National BlackRock Inflation Protected Bond |
| Lincoln National Blended Large Cap Growth Managed Volatility |
| Lincoln National Delaware Bond |
| Lincoln National Delaware Social Awareness |
| Lincoln National Delaware Mid Cap Value |
| Lincoln National Delaware Wealth Builder |
| Lincoln National Fidelity VIP Growth |
| Lincoln National Fidelity VIP Freedom 2045 |
| Lincoln National Dimensional U.S. Core Equity 1 |
| Lincoln National JPM Select Mid Cap Value Managed Volatility |
| Lincoln National Mondrian International Value |
| Lincoln National SSGA S&P 500 Index |
| Lincoln National T. Rowe Price Mid-Cap Growth |
| Lincoln National T. Rowe Price Structured Mid-Cap Growth |
| Lincoln National MFS Utilities |
| Lincoln National State Street Emerging Markets 100 |
| Lincoln National State Street Small Cap Index |
| Lincoln National Global Growth Allocation |
| Lincoln National SSGA Bond Index |
| Lincoln National T. Rowe Price 2030 Fund |
| Lincoln National T. Rowe Price 2040 Fund |
| Mutual of America American Century Investments 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 Oppenheimer V.I. Main Street Fund |
| Mutual of America MFS VIT III Mid Cap Value Portfolio |
| Mutual of America 2015 Retirement Fund |
| Mutual of America 2020 Retirement Fund |
| Mutual of America 2025 Retirement Fund |
| Mutual of America 2030 Retirement Fund |
| Mutual of America 2035 Retirement Fund |
| Mutual of America 2040 Retirement Fund |
| Mutual of America 2045 Retirement Fund |
| Mutual of America 2050 Retirement Fund |
| Mutual of America 2055 Retirement Fund |
| Mutual of America 2060 Retirement Fund |
| Mutual of America 2065 Retirement Fund |
| Mutual of America Aggressive Allocation Fund |
| Mutual of America All America Fund |
| Mutual of America Bond Fund |
| Mutual of America Composite Fund |
| Mutual of America Conservative Allocation Fund |
| Mutual of America Equity Index Fund |
| Mutual of America International Fund |
| Mutual of America Mid Cap Value Fund |
| Mutual of America Mid-Cap Equity Index Fund |
| Mutual of America Mid-Term Bond Fund |
| Mutual of America Moderate Allocation Fund |
| Mutual of America Retirement Income Fund |
| Mutual of America Small Cap Equity Index Fund |
| Mutual of America Small Cap Growth Fund |
| Mutual of America Small Cap Value Fund |
| 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 |
| 3.25% – 7.0% |
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 SOUTHEASTERN COMMUNITY ACTION PARTNERSHIP, 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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- We build a custom portfolio for your plan (401(k), 403(b), 529 …) or for a brokerage account
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