ATLANTIC COUNCIL OF THE UNITED STATES 403(B)DC PLAN Investment Options
Available Funds in ATLANTIC COUNCIL OF THE UNITED STATES 403(B)DC PLAN
Below is the lineup of investment options available to participants in ATLANTIC COUNCIL OF THE UNITED STATES 403(B)DC 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: 99
| Investment Description |
|---|
| TIAA Calvert Short Duration Inc I |
| CREF ClearBridge Large Cap Growth I |
| CREF First Eagle Overseas I |
| CREF Impax Intl Sustain Econ Instl |
| CREF Nuveen Bond Index R6 |
| CREF Nuveen Emerg Mkts Eq Idx R6 |
| CREF Nuveen Equity Index R6 |
| CREF Nuveen High Yield R6 |
| TIAA Nuveen Internatl Eq Idx R6 |
| TIAA Nuveen Large Cap Gr Idx R6 |
| TIAA Nuveen Large Cap Val Idx R6 |
| TIAA Nuveen Short Term Bd Idx R6 |
| TIAA Nuveen Small Cap Bld Idx R6 |
| TIAA Parnassus Core Equity Inst |
| TIAA Principal Preferred Sec Inst |
| TIAA Access Nuv Core Equity T4 |
| TIAA Access Nuv Core Pl Bd T4 |
| TIAA Access Nuv Equity Idx T4 |
| TIAA, FSB TIAA Access Nuv Intl Equity T4 |
| TIAA, FSB TIAA Access Nuv LfCy Rt Inc T4 |
| TIAA, FSB TIAA Access Nuv LgCp Res Eq T4 |
| TIAA, FSB TIAA Access Nuv LifCyc 2020 T4 |
| TIAA, FSB TIAA Access Nuv LifCyc 2025 T4 |
| TIAA, FSB TIAA Access Nuv LifCyc 2030 T4 |
| TIAA, FSB TIAA Access Nuv LifCyc 2035 T4 |
| TIAA, FSB TIAA Access Nuv LifCyc 2040 T4 |
| TIAA, FSB TIAA Access Nuv LifCyc 2045 T4 |
| TIAA, FSB TIAA Access Nuv LifCyc 2050 T4 |
| TIAA Access Nuv LifCyc 2055 T4 |
| TIAA Access Nuv LifCyc 2060 T4 |
| CREF TIAA Access Nuv Lrg Cap Gr T4 |
| TIAA, CREF TIAA Access Nuv Lrg Cap Val T4 |
| TIAA, CREF TIAA Access Nuv Mid Cap Grw T4 |
| TIAA, CREF TIAA Access Nuv Mid Cap Val T4 |
| TIAA, CREF TIAA Access Nuv Qt Sm Cp Eq T4 |
| TIAA, CREF TIAA Access Nuv RlEstSecSel T4 |
| TIAA, CREF TIAA Access Nuv Sm Cp Bl Ix T4 |
| TIAA, CREF Vanguard High Div Yld Idx Adm |
| TIAA Vanguard Mid-Cap Idx Adm |
| TIAA, FSB CREF Core Bond R1 |
| TIAA, FSB CREF Equity Index R1 |
| TIAA, FSB CREF Global Equities R1 |
| TIAA, FSB CREF Growth R1 |
| TIAA, FSB CREF Inflation-Linked Bond R1 |
| TIAA, FSB CREF Social Choice R1 |
| TIAA, FSB CREF Stock R1 |
| TIAA, FSB TIAA Traditional Non-Benefit Responsive I |
| TIAA, FSB TIAA Traditional Non-Benefit Responsive II |
| TIAA, FSB TIAA Traditional Benefit Responsive I |
| TIAA, FSB TIAA Traditional Benefit Responsive II |
| Participants Interest Rate of 4.25% to 9.50% – |
| 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 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 Equity Idx 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 LfCy Rt Inc 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 2025 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 Bond Index R6 |
| College Retirement Equities Fund variable annuities Nuveen Equity Index R6 |
| College Retirement Equities Fund variable annuities Nuveen High Yield R6 |
| College Retirement Equities Fund variable annuities Nuveen Internatl Eq Idx R6 |
| College Retirement Equities Fund variable annuities Nuveen Large Cap Gr Idx R6 |
| College Retirement Equities Fund variable annuities Nuveen Large Cap Val Idx R6 |
| College Retirement Equities Fund variable annuities Nuveen Small Cap Bld Idx R6 |
| College Retirement Equities Fund variable annuities Vanguard Mid-Cap Idx Adm |
| College Retirement Equities Fund variable annuities TIAA Access Nuv LifCyc 2055 T4 |
| College Retirement Equities Fund variable annuities TIAA Access Nuv LifCyc 2060 T4 |
| College Retirement Equities Fund variable annuities Nuveen Short Term Bd Idx R6 |
| College Retirement Equities Fund variable annuities Vanguard High Div Yld Idx Adm |
| College Retirement Equities Fund variable annuities Parnassus Core Equity Inst |
| College Retirement Equities Fund variable annuities ClearBridge Large Cap Growth I |
| College Retirement Equities Fund variable annuities First Eagle Overseas I |
| College Retirement Equities Fund variable annuities Impax Intl Sustain Econ Instl |
| College Retirement Equities Fund variable annuities Calvert Short Duration Inc I |
| College Retirement Equities Fund variable annuities Principal Preferred Sec Inst |
| College Retirement Equities Fund variable annuities Nuveen Emerg Mkts Eq Idx 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 ATLANTIC COUNCIL OF THE UNITED STATES 403(B)DC 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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