ASSOCIATION OF THE BAR OF THE CITY OF NEW YORK 401(K) PLAN Investment Options
Available Funds in ASSOCIATION OF THE BAR OF THE CITY OF NEW YORK 401(K) PLAN
Below is the lineup of investment options available to participants in ASSOCIATION OF THE BAR OF THE CITY OF NEW YORK 401(K) 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.
Total Available Funds: 88
| Investment Description |
|---|
| CREF CREF Stock |
| CREF CREF Social Choice |
| CREF CREF Core Bond |
| CREF CREF Global Equities |
| CREF CREF Growth |
| CREF CREF Equity Index |
| CREF CREF Inflation-Linked Bond |
| TIAA Access Nuveen Lifecycle 2020 Fund |
| TIAA Access Nuveen Lifecycle 2030 Fund |
| TIAA Access Nuveen Lifecycle 2035 Fund |
| TIAA Access Nuveen Lifecycle 2040 Fund |
| TIAA Access Nuveen Lifecycle 2045 Fund |
| TIAA Access Nuveen Lifecycle 2050 Fund |
| TIAA Access Nuveen Core Plus Bond Fund |
| TIAA Access Nuveen Core Equity Fund |
| TIAA Access Nuveen International Equity Fund |
| TIAA Access Nuveen Lg-Cap Growth Fund |
| TIAA Access Nuveen Lg-Cap Value Fund |
| TIAA Access Nuveen Lg-Cap Responsible Equity Fund |
| TIAA Access Nuveen Mid-Cap Growth Fund |
| TIAA Access Nuveen Mid-Cap Value Fund |
| TIAA Access Nuveen Small-Cap Blend |
| TIAA Access Nuveen Quant Small-Cap Equity Fund |
| TIAA Trust, N.A. Nuveen Lifecycle Index 2015 Fund |
| TIAA Trust, N.A. Nuveen Lifecycle Index 2020 Fund |
| TIAA Trust, N.A. Nuveen Lifecycle Index 2025 Fund |
| TIAA Trust, N.A. Nuveen Lifecycle Index 2030 Fund |
| TIAA Trust, N.A. Nuveen Lifecycle Index 2035 Fund |
| TIAA Trust, N.A. Nuveen Lifecycle Index 2040 Fund |
| TIAA Trust, N.A. Nuveen Lifecycle Index 2045 Fund |
| TIAA Trust, N.A. Nuveen Lifecycle Index 2050 Fund |
| TIAA Trust, N.A. Nuveen Lifecycle Index 2055 Fund |
| TIAA Trust, N.A. Nuveen Lifecycle Index 2060 Fund |
| TIAA Trust, N.A. Nuveen Lifecycle Index 2065 Fund |
| TIAA Trust, N.A. Nuveen International Equity |
| JPMorgan Small Cap Growth Fund |
| JPMorgan Large Cap Growth Fund |
| T. Rowe Price International Discovery Fund |
| American American Funds New World Fund |
| Hartford Schroders Hartford Schroders US Mid-Cap Opportunities Fund |
| Columbia Dividend Income Fund |
| College Retirement Equities Fund variable annuities TIAA Traditional Benefit Responsive |
| College Retirement Equities Fund variable annuities TIAA Traditional Non Benefit Responsive |
| College Retirement Equities Fund variable annuities Plan Loan Default Fund |
| College Retirement Equities Fund variable annuities CREF Stock R1 |
| College Retirement Equities Fund variable annuities CREF Social Choice R1 |
| College Retirement Equities Fund variable annuities CREF Global Equities R1 |
| College Retirement Equities Fund variable annuities CREF Growth R1 |
| College Retirement Equities Fund variable annuities CREF Equity Index R1 |
| College Retirement Equities Fund variable annuities CREF Inflation-Linked Bond R1 |
| College Retirement Equities Fund variable annuities TIAA Access Nuv Core Pl Bd T4 |
| College Retirement Equities Fund variable annuities TIAA Access Nuv Core Equity T4 |
| College Retirement Equities Fund variable annuities TIAA Access Nuv Intl Equity T4 |
| College Retirement Equities Fund variable annuities TIAA Access Nuv Lrg Cap Gr T4 |
| College Retirement Equities Fund variable annuities TIAA Access Nuv Lrg Cap Val T4 |
| College Retirement Equities Fund variable annuities TIAA Access Nuv LifCyc 2020 T4 |
| College Retirement Equities Fund variable annuities TIAA Access Nuv LifCyc 2030 T4 |
| College Retirement Equities Fund variable annuities TIAA Access Nuv LifCyc 2035 T4 |
| College Retirement Equities Fund variable annuities TIAA Access Nuv LifCyc 2040 T4 |
| College Retirement Equities Fund variable annuities TIAA Access Nuv LifCyc 2045 T4 |
| College Retirement Equities Fund variable annuities TIAA Access Nuv LifCyc 2050 T4 |
| College Retirement Equities Fund variable annuities TIAA Access Nuv Mid Cap Grw T4 |
| College Retirement Equities Fund variable annuities TIAA Access Nuv Mid Cap Val T4 |
| College Retirement Equities Fund variable annuities TIAA Access Nuv RlEstSecSel T4 |
| College Retirement Equities Fund variable annuities TIAA Access Nuv Sm Cp Bl Ix T4 |
| College Retirement Equities Fund variable annuities TIAA Access Nuv Qt Sm Cp Eq T4 |
| College Retirement Equities Fund variable annuities TIAA Access Nuv LgCp Res Eq T4 |
| College Retirement Equities Fund variable annuities CREF Core Bond R1 |
| College Retirement Equities Fund variable annuities Nuveen Internatl Eq Idx R6 |
| College Retirement Equities Fund variable annuities Nuveen LfCycle Ix 2015 R6 |
| College Retirement Equities Fund variable annuities Nuveen LfCycle Ix 2020 R6 |
| College Retirement Equities Fund variable annuities Nuveen LfCycle Ix 2025 R6 |
| College Retirement Equities Fund variable annuities Nuveen LfCycle Ix 2030 R6 |
| College Retirement Equities Fund variable annuities Nuveen LfCycle Ix 2035 R6 |
| College Retirement Equities Fund variable annuities Nuveen LfCycle Ix 2040 R6 |
| College Retirement Equities Fund variable annuities Nuveen LfCycle Ix 2045 R6 |
| College Retirement Equities Fund variable annuities Nuveen LfCycle Ix 2050 R6 |
| College Retirement Equities Fund variable annuities Nuveen LfCycle Ix 2055 R6 |
| College Retirement Equities Fund variable annuities T Rowe Price Internat Discovry |
| College Retirement Equities Fund variable annuities Vanguard Ttl Bd Mkt Idx Adm |
| College Retirement Equities Fund variable annuities Nuveen LfCycle Ix 2060 R6 |
| College Retirement Equities Fund variable annuities Vanguard Ttl Stk Mkt Idx Adm |
| College Retirement Equities Fund variable annuities HartfordSchroders US MdCpOpp Y |
| College Retirement Equities Fund variable annuities Columbia Dividend Income Inst3 |
| College Retirement Equities Fund variable annuities JPMorgan Small Cap Growth R6 |
| College Retirement Equities Fund variable annuities Nuveen LfCycle Ix 2065 R6 |
| College Retirement Equities Fund variable annuities JPMorgan Large Cap Growth R6 |
| College Retirement Equities Fund variable annuities American Funds New World R6 |
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 ASSOCIATION OF THE BAR OF THE CITY OF NEW YORK 401(K) 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% | … | … |
Data as of 05/01/2026, Common starting date is 12/31/2000
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