GUILFORD COLLEGE DEFINED CONTRIBUTION PLAN Investment Options
Available Funds in GUILFORD COLLEGE DEFINED CONTRIBUTION PLAN
Below is the lineup of investment options available to participants in GUILFORD 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 Option List |
|---|
| CREF Stock Fund R2 (TLSTX) |
| CREF Social Choice Fund R2 (TISCX) |
| CREF Global Equities Fund R2 |
| CREF Growth Fund R2 (TIGRX) |
| CREF Equity Index Fund R2 (TCIEX) |
| CREF Inflation-Linked Bond Fund R2 (TIILX) |
| CREF Core Bond Fund R2 (TIBDX) |
| American Funds EuroPacific Growth Fund R6 (FEPUX) |
| MFS Value Fund R3 (MEIHX) |
| Institutional |
| Vanguard Explorer Fund – Admiral (VINEX) |
| Principal LifeTime Hybrid 2015 Fund R6 (PHJMX) |
| Principal LifeTime Hybrid 2020 Fund R6 (PHJTX) |
| Principal LifeTime Hybrid 2025 Fund R6 (PHJQX) |
| Principal LifeTime Hybrid 2030 Fund R6 (PHJNX) |
| Principal LifeTime Hybrid 2035 Fund R6 (PHJJX) |
| Principal LifeTime Hybrid 2040 Fund R6 (PHJEX) |
| Principal LifeTime Hybrid 2045 Fund R6 (PHJYX) |
| Principal LifeTime Hybrid 2050 Fund R6 (PHJUX) |
| Principal LifeTime Hybrid 2055 Fund R6 (PHJBX) |
| Principal LifeTime Hybrid 2060 Fund R6 (PHJGX) |
| Vanguard Extended Market Index Fund – Admiral (VEXMX) |
| Vanguard FTSE World Index Fund – Admiral (VFWIX) |
| Baird Core Plus Bond Fund – Institutional (BCOIX) |
| Pioneer Strategic Income Fund Class K (STIZX) |
| Allspring Special Mid Cap Value Fund R6 (SMCDX) |
| MassMutual Mid Cap Growth Fund I (MEFYX) |
| Principal LifeTime Hybrid Income Fund R6 (PHJFX) |
| Vanguard 500 Index Fund – Admiral (VFINX) |
| Allspring Special Small Cap Value Fund A (ESPIX) |
| JPMorgan Large Cap Growth Fund R6 (SEEGX) |
| VALIC Ariel Appreciation Fund (CAAPX) |
| VALIC Ariel Fund |
| VALIC Core Bond Fund (VCBDX) |
| VALIC Emerging Economies Fund (VCGEX) |
| VALIC Fixed Account Plus |
| VALIC Global Strategy Fund (DVRIX) |
| VALIC High Yield Bond Fund (VHYLX) |
| VALIC Inflation Protected Fund (VIPSX) |
| VALIC International Value Fund (VTRIX) |
| VALIC International Equities (WIBCX) |
| VALIC International Opportunities Fund (VIOPX) |
| VALIC Government Securities Fund |
| VALIC Mid Cap (VVMCX) |
| VALIC Mid Cap Strategic Growth Fund (VMSGX) |
| VALIC Mid Cap Value Fund (VVMCX) |
| VALIC Short Term Fixed Account (GTAWX) |
| VALIC Small Cap (VVSCX) |
| VALIC Small Cap Special Value Fund (ESPIX) |
| VALIC Small Cap Value Fund (VVSCX) |
| VALIC Stock |
| VALIC Systematic Growth Fund (VGCLX) |
| VALIC Systematic Value Fund (VCIGX) |
| VALIC US Socially Responsible Fund (VSRDX) |
| VALIC Company I Capital Appreciation Fund (VAPPX) |
| Vanguard Wellington Fund (VWENX) |
| Vanguard Windsor II Fund (VWNFX) |
| 3.00% – 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 GUILFORD 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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