CMA RETIREMENT PLAN Investment Options
Available Funds in CMA RETIREMENT PLAN
Below is the lineup of investment options available to participants in CMA 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 |
|---|
| American Funds Service Company Registered Investment Company Amer Funds New Persp R3 Fd $ – |
| American Funds Service Company Registered Investment Company Amer Funds New World R3 Fd |
| The American Funds Registered Investment Company Amer Funds Am Mut R3 Fd |
| Eaton Vance Registered Investment Company Etn Vnc Atl Cp SMID-Cap R Fd |
| Franklin Templeton Investments Registered Investment Company Franklin Small Cap Value R Fd |
| Lord Abbett Registered Investment Company Lord Abbett High Yield R2 Fd |
| MFS Investment Management Registered Investment Company MFS Intl Diversification R2 Fd |
| PGIM Investments Registered Investment Company PGIM Jennison Small Co R Fd |
| T. Rowe Price Funds Registered Investment Company T.Rowe Price Bl Chip Gr R Fd |
| TIAA Investments Registered Investment Company TIAA-CREF Inf-Lkd Bd Retail Fd |
| Victory Funds Registered Investment Company Victory Sycamore Est Val R Fd |
| Principal Global Investors Trust Co Common/Collective Trust Prin Lifetime Hy Inc CIT Z85 |
| Principal Global Investors Trust Co Common/Collective Trust Prin LifeTime Hy 2015 CIT Z85 |
| Principal Global Investors Trust Co Common/Collective Trust Prin LifeTime Hy 2020 CIT Z85 |
| Principal Global Investors Trust Co Common/Collective Trust Prin LifeTime Hy 2025 CIT Z85 |
| Principal Global Investors Trust Co Common/Collective Trust Prin LifeTime Hy 2030 CIT Z85 |
| Principal Global Investors Trust Co Common/Collective Trust Prin LifeTime Hy 2035 CIT Z85 |
| Principal Global Investors Trust Co Common/Collective Trust Prin LifeTime Hy 2040 CIT Z85 |
| Principal Global Investors Trust Co Common/Collective Trust Prin LifeTime Hy 2045 CIT Z85 |
| Principal Global Investors Trust Co Common/Collective Trust Prin LifeTime Hy 2050 CIT Z85 |
| Principal Global Investors Trust Co Common/Collective Trust Prin LifeTime Hy 2055 CIT Z85 |
| Principal Global Investors Trust Co Common/Collective Trust Prin LifeTime Hy 2060 CIT Z85 |
| Principal Global Investors Trust Co Common/Collective Trust Prin LifeTime Hy 2065 CIT Z85 |
| Principal Global Investors Trust Co Common/Collective Trust Prin LifeTime Hy 2070 CIT Z85 |
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 CMA 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
- Passive real estate investments
- more …
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