CARTHAGE COLLEGE DEFINED CONTRIBUTION PLAN Investment Options
Available Funds in CARTHAGE COLLEGE DEFINED CONTRIBUTION PLAN
Below is the lineup of investment options available to participants in CARTHAGE COLLEGE DEFINED CONTRIBUTION 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 |
|---|
| CREF Bond Market |
| CREF Equity Index |
| CREF Global Equities |
| CREF Growth |
| CREF Inflation-Linked Bond |
| CREF Social Choice |
| CREF Stock |
| Allspring Spec Mid Cap Val R6 |
| Allspring Spec SmallCap Val R6 |
| American EuroPac Growth R6 |
| American Fd New Perspective R6 |
| American Funds Balanced Fd R6 |
| American Funds New World R6 |
| BlackRock Hgh Yld Bd Portf K |
| Calvert US Large Cap Core RespldxR6 |
| DFA Inflation ProtSecPortInst |
| Hartford International Opp Y |
| JPMorgan US Equity R6 |
| PGIM Short-Term Corp Bd R6 |
| T. Rowe Price Blue Chip Gr I |
| NuVeen Emrg Mkt Eq Idx-Rtmt |
| NuVeen Eq Index-Rtmt |
| NuVeen Core Eq-Rtmt |
| NuVeen High-Yield-Rtmt |
| NuVeen Intl Eq Idx-Rtmt |
| NuVeen Intl Eq-Rtmt |
| NuVeen Lfcyle Rtmt Inc-Rtmt |
| NuVeen Lg-Cap Gr Idx-Rtmt |
| NuVeen Lg-Cap Val Idx-Rtmt |
| NuVeen Lg-Cap Val-Rtmt |
| NuVeen Lifecycle 2010-Rtmt |
| NuVeen Lifecycle 2015-Rtmt |
| NuVeen Lifecycle 2020-Rtmt |
| NuVeen Lifecycle 2025-Rtmt |
| NuVeen Lifecycle 2030-Rtmt |
| NuVeen Lifecycle 2035-Rtmt |
| NuVeen Lifecycle 2040-Rtmt |
| NuVeen Lifecycle 2045-Rtmt |
| NuVeen Lifecycle 2050-Rtmt |
| NuVeen Lifecycle 2055-Rtmt |
| NuVeen Mid-Cap Gr-Rtmt |
| NuVeen Mid-Cap Val-Rtmt |
| NuVeen Qt Sml Cap Eq Rtmt |
| NuVeen Real Est Secs-Rtmt |
| NuVeen S&P 500 Idx-Rtmt |
| NuVeen Short-Term Bond-Rtmt |
| NuVeen Sm-Cap Bl Idx-Rtmt |
| NuVeen Large Cap Resp Eq-Rtmt |
| Vanguard 500 Idx Adm |
| Vanguard Growth Index Adm |
| Vanguard Mid-Cap Idx Adm |
| Vanguard Small-Cap Grw Idx Adm |
| Vanguard Small-Cap Idx Adm |
| Vanguard Target Ret 2020 Inv |
| Vanguard Target Ret 2025 Inv |
| Vanguard Target Ret 2030 Inv |
| Vanguard Target Ret 2035 Inv |
| Vanguard Target Ret 2040 Inv |
| Vanguard Target Ret 2045 Inv |
| Vanguard Target Ret 2050 Inv |
| Vanguard Target Ret 2055 Inv |
| Vanguard Target Ret 2060 Inv |
| Vanguard Target Ret 2065 Inv |
| Vanguard Target Retirement Income |
| Columbia Dividend Income Inst3 |
| JPMorgan Mid Cap Gro Fd Cl R6 |
| Vanguard Ttl Bd Mkt Idx Adm |
| Vanguard Target Ret 2070 |
| Vanguard Ttl Intl Stk Idx Adm |
| Vanguard Ttl Stk Mkt Idx Adm |
| Rates from 3.50% to 9.50% – |
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 CARTHAGE COLLEGE DEFINED CONTRIBUTION 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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