GENERATIONED 403(B) PLAN Investment Options
Available Funds in GENERATIONED 403(B) PLAN
Below is the lineup of investment options available to participants in GENERATIONED 403(B) 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: 89
| Investment Description |
|---|
| TIAA Traditional Benefit Responsive |
| TIAA Traditional Non-Benefit Responsive |
| TIAA Traditional Non-Benefit Responsive – Plan Loan Default Fund |
| CREF CREF Stock R1 |
| CREF CREF Social Choice R1 |
| CREF CREF Core Bond R1 |
| CREF CREF Global Equities R1 |
| CREF CREF Growth R1 |
| CREF CREF Equity Index R1 |
| CREF CREF Inflation-Linked Bond R1 |
| TIAA Access Lifecycle 2015 T4 |
| TIAA Access Lifecycle 2020 T4 |
| TIAA Access Lifecycle 2025 T4 |
| TIAA Access Lifecycle 2030 T4 |
| TIAA Access Lifecycle 2035 T4 |
| TIAA Access Lifecycle 2040 T4 |
| TIAA Access Lifecycle 2045 T4 |
| TIAA Access Lifecycle 2050 T4 |
| TIAA Access Lifecycle 2055 T4 |
| TIAA Access Lifecycle Retirement Income T4 |
| TIAA Access Bond Plus |
| TIAA Access International Equity T4 |
| TIAA Access Large Cap Value T4 |
| TIAA Access Mid-Cap Growth T4 |
| TIAA Access Mid-Cap Value T4 |
| TIAA Access Small Cap Index T4 |
| TIAA Access Small Cap Equity T4 |
| AB AB Large Cap Growth Z |
| American Century Small Cap Growth R6 |
| Fidelity 500 Index |
| Fidelity Mid Cap Index |
| Janus Henderson Overseas N |
| Lazard Lazard Emerging Markets Equity Advantage Portfolio Inst |
| MassMutual MassMutual High Yield I |
| MFS Mid Cap Value R6 |
| Nuveen Core Impact Bond R6 |
| Nuveen Lifecycle Index 2025 R6 |
| PIMCO RAE US Small Institutional |
| Pioneer Bond K |
| Putnam Large Cap Value R6 |
| T. Rowe Price Diversified Mid Cap Growth I |
| Vanguard Small Cap Index Admiral |
| Principal Fixed Income Guaranteed Option – Benefit Responsive |
| Participants 4.25% – 9.50%, maturing through 2029 |
| 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 Plan Loan Default Fund |
| 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 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 Val T4 |
| College Retirement Equities Fund variable annuities TIAA Access Nuv LifCyc 2015 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 CREF Core Bond R1 |
| College Retirement Equities Fund variable annuities TIAA Access Nuv LifCyc 2055 T4 |
| Principal MassMutual High Yield I Fund |
| Principal Nuveen Lifecycle Index 2025 R6 Fund |
| Principal Janus Henderson Overseas N Fund |
| Principal Fidelity |
| Principal American Century Small Cap Growth R6 Fund |
| Principal T. Rowe Price Diversified Mid Cap Growth I Fund |
| Principal Fidelity Mid Cap |
| Principal MFS Mid Cap Value R6 Fund |
| Principal Nuveen Core Impact Bond R6 Fund |
| Principal PIMCO RAE US Small Institutional Fund |
| Principal Vanguard Small Cap Index Admiral Fund |
| Principal Lazard Emerging Markets Equity Advantage Portfolio Inst Fd |
| Principal Fixed Income Guaranteed Option |
| Principal Putnam Large Cap Value R6 Fund |
| Principal Pioneer Bond K Fund |
| Principal AB Large Cap Growth Z Fund |
| Principal Nuveen Lifecycle Index Retirement Income R6 Fund |
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 GENERATIONED 403(B) 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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