ADELPHI UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN Investment Options
Available Funds in ADELPHI UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN
Below is the lineup of investment options available to participants in ADELPHI UNIVERSITY DEFINED CONTRIBUTION 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 |
|---|
| TIAA Traditional Nonbenefit Responsive |
| TIAA Traditional Benefit Responsive 2 |
| TIAA Plan Loan Default Fund |
| CREF Stock |
| CREF Global equities |
| CREF Growth |
| CREF Social choice |
| CREF Equity index |
| CREF Inflation-linked bond |
| TIAA CREF Core Bond R2 |
| TIAA TIAA-CREF Lfcyle Rtmt Inc-Inst |
| TIAA TIAA-CREF Lifecycle 2010-Inst |
| TIAA TIAA-CREF Lifecycle 2015-Inst |
| TIAA TIAA-CREF Lifecycle 2020-Inst |
| TIAA TIAA-CREF Lifecycle 2025-Inst |
| TIAA TIAA-CREF Lifecycle 2030-Inst |
| TIAA TIAA-CREF Lifecycle 2035-Inst |
| TIAA TIAA-CREF Lifecycle 2040-Inst |
| TIAA TIAA-CREF Lifecycle 2045-Inst |
| TIAA TIAA-CREF Lifecycle 2050-Inst |
| TIAA TIAA-CREF Lifecycle 2055-Inst |
| TIAA American EuroPac Growth R6 |
| TIAA Vanguard Extended Mkt Idx Inst |
| TIAA Vanguard Federal Money Mkt Inv |
| TIAA Nuveen Lifecycle 2060 R6 |
| TIAA Columbia Sml Cap Value I Inst3 |
| TIAA T Rowe Price Capital Apprec I |
| TIAA John Hancock Discip V Md Cp R6 |
| TIAA Vanguard Inst Idx Inst |
| TIAA Vanguard Ttl Bd Mkt Idx Adm |
| TIAA Vanguard Ttl Intl Stk Idx Inst |
| TIAA Nuveen Lifecycle 2065 R6 |
| TIAA JPMorgan Large Cap Growth R6 |
| TIAA MassMutual Small Cap Gr Eq I |
| TIAA MFS Mid Cap Growth Fund R6 |
| TIAA MFS Value Fund Class R6 |
| Fidelity VANG VMMR-FED MMKT |
| Fidelity MFS VALUE R6 |
| Fidelity AF EUROPAC GROWTH R6 |
| Fidelity MFS MID CAP GRTH R6 |
| Fidelity BLKRK TOT RETURN K |
| Fidelity ABF SM CAP VALUE R6 |
| Fidelity FID GROWTH CO K |
| Fidelity FID LOW PRICED STK K |
| Fidelity FID PURITAN K |
| Fidelity FID US BOND IDX |
| Fidelity FID 500 INDEX |
| Fidelity FID EXTD MKT IDX |
| Fidelity FID FREEDOM INC K |
| Fidelity FID FREEDOM 2010 K |
| Fidelity FID FREEDOM 2015 K |
| Fidelity FID FREEDOM 2020 K |
| Fidelity FID FREEDOM 2025 K |
| Fidelity FID FREEDOM 2030 K |
| Fidelity FID FREEDOM 2035 K |
| Fidelity FID FREEDOM 2040 K |
| Fidelity FID FREEDOM 2045 K |
| Fidelity FID FREEDOM 2050 K |
| Fidelity FID FREEDOM 2055 K |
| Fidelity FID FREEDOM 2060 K |
| Fidelity FID FREEDOM 2065 K |
| Fidelity to 9.50% due through 2029 |
| 123456789 ABCDEFGHI ABCDEFGHI ABCDE |
| CITYEFGHI ABCDEFGHI AB, ST |
| c Plan Name |
| b Retired or separated participants receiving benefits ……………………………………………………………………………………………. 6b |
| c Other retired or separated participants entitled to future benefits ………………………………………………………………………….. 6c |
| e Deceased participants whose beneficiaries are receiving or are entitled to receive benefits. ……………………………………. 6e |
| g(2) complete this item) …………………………………………………………………………………………………………………………………………. 6g |
| h less than 100% vested ……………………………………………………………………………………………………………………………………. 6h |
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 ADELPHI UNIVERSITY DEFINED CONTRIBUTION 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
- Dividend stock funds
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