CAIS MULTIPLE EMPLOYER PLAN Investment Options
Available Funds in CAIS MULTIPLE EMPLOYER PLAN
Below is the lineup of investment options available to participants in CAIS MULTIPLE EMPLOYER 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 CREF Social Choice R1 |
| TIAA CREF Inflation-Linked Bond R1 |
| TIAA CREF Core Bond R1 |
| TIAA Nuveen LfCycle Ix 2020 R6 |
| TIAA Nuveen LfCycle Ix 2030 R6 |
| TIAA Nuveen LfCycle Ix 2035 R6 |
| TIAA Nuveen LfCycle Ix 2040 R6 |
| TIAA Nuveen LfCycle Ix 2050 R6 |
| TIAA Nuveen LfCycle Ix 2055 R6 |
| TIAA Vanguard 500 Idx Adm |
| TIAA Traditional Benefit Responsive |
| TIAA Traditional Non Benefit Responsive |
| TIAA CREF Stock R1 |
| TIAA CREF Global Equities R1 |
| TIAA CREF Growth R1 |
| TIAA CREF Equity Index R1 |
| TIAA Nuveen LfCycle Ix 2010 R6 |
| TIAA Nuveen LfCycle Ix 2025 R6 |
| TIAA Nuveen Large Cap Resp Eq R6 |
| TIAA American EuroPac Growth R6 |
| TIAA Vanguard Federal Money Mkt Inv |
| TIAA Nuveen LfCycle Ix 2065 R6 |
| TIAA Baird Aggregate Bond Inst |
| TIAA ClearBridge Small Cp Growth IS |
| TIAA PIMCO RAE US Institutional Sh |
| TIAA Vanguard Extended Mkt Idx Adm |
| TIAA Vanguard Ttl Intl Stk Idx Adm |
| TIAA Vanguard Ttl Bd Mkt Idx Adm |
| TIAA Nuveen LfCycle Ix 2060 R6 |
| TIAA T. Rowe Price Blue Chip Gr I |
| TIAA Nuveen LfCycle Ix 2045 R6 |
| TIAA Nuveen LfCycle Ix 2015 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 CAIS MULTIPLE EMPLOYER 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
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