DOCTORS WITHOUT BORDERS 401(K) PLAN Investment Options

Available Funds in DOCTORS WITHOUT BORDERS 401(K) PLAN

Below is the lineup of investment options available to participants in DOCTORS WITHOUT BORDERS 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: 31
Investment Description
VANGUARD VANGUARD FEDERAL MONEY MARKET FUND
AMERICAN FUNDS AMERICAN CENTURY SMALL CAP VALUE FUND R6 CLASS
BROWN BROWN ADVISORY SUSTAINABLE GROWTH FUND
MFS MFS VALUE FUND CLASS R6
NORTHERN NORTHERN GLOBAL SUSTAINABILITY INDEX FUND CLASS I
NUVEEN NUVEEN REAL ESTATE SECURITIES FUND CLASS I
PARNASSUS PARNASSUS MID CAP FUND INSTITUTIONAL SHARES
PARNASSUS PARNASSUS CORE EQUITY FUND – INSTITUTIONAL SHARES
TIAA- CREF TIAA-CREF SOCIAL CHOICE EQUITY FUND
VANGUARD VANGUARD 500 INDEX FUND ADMIRAL SHARES
ALL SPRING ALL SPRING SPECIAL MID CAP VALUE FUND – CLASS R6
AMERICAN FUNDS AMERICAN FUNDS EURO PACIFIC GROWTH FUND
PAX PAX INTERNATIONAL SUSTAINABLE ECONOMY FUND
CALVERT CALVERT ULTRA- SHORT DURATION INCOME FUND
PIMCO PIMCO TOTAL RETURN ESG FUND INSTITUTIONAL CLASS
TCW TCW TOTAL RETURN BOND FUND CLASS I
VANGUARD VANGUARD INFLATION-PROTECTED SECURITIES FUND
CALVERT CALVERT BALANCED FUND CLASS I
T. ROWE T. ROWE PRICE RETIREMENT I 2010 FUND I
T. ROWE T. ROWE PRICE RETIREMENT I 2015 FUND I
T. ROWE T. ROWE PRICE RETIREMENT I 2020 FUND I
T. ROWE T. ROWE PRICE RETIREMENT I 2025 FUND I
T. ROWE T. ROWE PRICE RETIREMENT I 2030 FUND I
T. ROWE T. ROWE PRICE RETIREMENT I 2035 FUND I
T. ROWE T. ROWE PRICE RETIREMENT I 2040 FUND I
T. ROWE T. ROWE PRICE RETIREMENT BALANCED I
T. ROWE T. ROWE PRICE RETIREMENT I 2060 FUND I
T. ROWE T. ROWE PRICE RETIREMENT I 2055 FUND I
T. ROWE T. ROWE PRICE RETIREMENT I 2050 FUND I
T. ROWE T. ROWE PRICE RETIREMENT I 2045 FUND I
VANGUARD VANGUARD WELLINGTON FUND ADMIRAL SHARES

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:

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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 DOCTORS WITHOUT BORDERS 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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