LANCASTER BIBLE COLLEGE RETIREMENT PLAN Investment Options

Available Funds in LANCASTER BIBLE COLLEGE RETIREMENT PLAN

Below is the lineup of investment options available to participants in LANCASTER BIBLE COLLEGE 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.

Total Available Funds: 124
Investment Description
TIAA-CREF TIAA Traditional Benefit Responsive
TIAA-CREF CREF Stock Fund R1
TIAA-CREF CREF Social Choice Fund R1
TIAA-CREF CREF Core Bond Fund R1
TIAA-CREF CREF Global Equities Fund R1
TIAA-CREF CREF Growth Fund R1
TIAA-CREF CREF Equity Index Fund R1
TIAA-CREF CREF Inflation-Linked Bond Fund R1
TIAA-CREF Access Lifecycle 2010 T4
TIAA-CREF Access Lifecycle 2015 T4
TIAA-CREF Access Nuveen Lifecycle 2020 T4
TIAA-CREF Access Nuveen Lifecycle 2025 T4
TIAA-CREF Access Nuveen Lifecycle 2030 T4
TIAA-CREF Access Nuveen Lifecycle 2035 T4
TIAA-CREF Access Nuveen Lifecycle 2040 T4
TIAA-CREF Access Nuveen Lifecycle 2045 T4
TIAA-CREF Access Nuveen Lifecycle 2050 T4
TIAA-CREF Access Nuveen Lifecycle 2055 T4
TIAA-CREF Access Nuveen Lifecycle 2060 T4
TIAA-CREF Access Nuveen Core Bond Plus T4
TIAA-CREF Access Nuveen Equity Index T4
TIAA-CREF Access Nuveen Core Equity T4
TIAA-CREF Access International Equity T4
TIAA-CREF Access Nuveen Large-Cap Growth T4
TIAA-CREF Access Nuveen Large-Cap Value T4
TIAA-CREF Access Nuveen Mid-Cap Growth T4
TIAA-CREF Access Nuveen Mid-Cap Value T4
TIAA-CREF Access Nuveen Small-Cap Blend Index T4
TIAA-CREF Access Nuveen Quant Small-Cap Equity T4
TIAA-CREF Access Nuveen Large Cap Responsible Equity T4
Equitable EQ/Large Cap Growth Managed Volatility
Equitable EQ/Large Cap Value Managed Volatility
Equitable EQ/Mid Cap Value Managed Volatility
Equitable EQ/Small Company Index
Equitable EQ/International Equity Index
Equitable EQ/International Value Managed Volatility Portfolio
Equitable EQ/Global Equity Managed Volatility Portfolio
Equitable Charter Multi-Sector Bond
Equitable Multimanager Core Bond
Equitable EQ/PIMCO Ultra Short Bond
Equitable EQ/1290 VT Mergers and Acquisition
Equitable EQ/Clearbridge Large Cap GRWT ESG
Equitable EQ/Blackrock Basic Value Equity
Equitable EQ/1290 VT Small Company Value
Equitable EQ/International Core Managed Volatility
Equitable EQ/Target 2035 Allocation Portfolio
Equitable EQ/MSF International Growth
Equitable EQ/Common Stock Index
Equitable EQ/American Century Mid Cap Value
Equitable EQ/1290 VT Small Cap Value Portfolio
Equitable EQ/Aggressive Growth Strategy
American Funds Capital Income Builder Fund – A
American Funds American Capital World Growth & Income Fund – A
Federated Hermes Equity Income Fund – A
Federated Hermes Kaufmann Fund – A
Franklin Templeton Franklin Mutual Beacon Fund – A
Invesco Charter Fund – A
Invesco Discovery Mid Cap Growth – A
Invesco Diversified Dividend Fund – A
Invesco Equity and Income Fund – A
Invesco EQV International Equity Fund – A
Invesco Main Street Fund – A
CREF Stock R1 Registered Investment Company N/R
CREF Social Choice R1 Registered Investment Company N/R
CREF Global Equities R1 Registered Investment Company N/R
CREF Growth R1 Registered Investment Company N/R
CREF Equity Index R1 Registered Investment Company N/R
CREF Inflation-Linked Bond R1 Registered Investment Company N/R
TIAA Access Nuv Core Pl Bd T4 Registered Investment Company N/R
TIAA Access Nuv Equity Idx T4 Registered Investment Company N/R
TIAA Access Nuv Core Equity T4 Registered Investment Company N/R
TIAA Access Nuv Intl Equity T4 Registered Investment Company N/R
TIAA Access Nuv Lrg Cap Gr T4 Registered Investment Company N/R
TIAA Access Nuv Lrg Cap Val T4 Registered Investment Company N/R
TIAA Access Nuv LifCyc 2010 T4 Registered Investment Company N/R
TIAA Access Nuv LifCyc 2015 T4 Registered Investment Company N/R
TIAA Access Nuv LifCyc 2020 T4 Registered Investment Company N/R
TIAA Access Nuv LifCyc 2025 T4 Registered Investment Company N/R
TIAA Access Nuv LifCyc 2030 T4 Registered Investment Company N/R
TIAA Access Nuv LifCyc 2035 T4 Registered Investment Company N/R
TIAA Access Nuv LifCyc 2040 T4 Registered Investment Company N/R
TIAA Access Nuv LifCyc 2045 T4 Registered Investment Company N/R
TIAA Access Nuv LifCyc 2050 T4 Registered Investment Company N/R
TIAA Access Nuv Mid Cap Grw T4 Registered Investment Company N/R
TIAA Access Nuv Mid Cap Val T4 Registered Investment Company N/R
TIAA Access Nuv RlEstSecSel T4 Registered Investment Company N/R
TIAA Access Nuv Sm Cp Bl Ix T4 Registered Investment Company N/R
TIAA Access Nuv Qt Sm Cp Eq T4 Registered Investment Company N/R
TIAA Access Nuv LgCp Res Eq T4 Registered Investment Company N/R
CREF Core Bond R1 Registered Investment Company N/R
TIAA Access Nuv LifCyc 2055 T4 Registered Investment Company N/R
TIAA Access Nuv LifCyc 2060 T4 Registered Investment Company N/R
1290 VT GAMCO Mergers & Acq Registered Investment Company N/R
1290 VT GAMCO Small Co Val Registered Investment Company N/R
1290 VT Small Cap Value Registered Investment Company N/R
EQ/Aggressive Growth Strategy Registered Investment Company N/R
EQ/American Centry Mid Cap Val Registered Investment Company N/R
EQ/Wells Fargo Omega Growth Registered Investment Company N/R
EQ/Com Stck Index Registered Investment Company N/R
EQ/Core Plus Bond Registered Investment Company N/R
EQ/Glb Eqty Managed Vol Registered Investment Company N/R
EQ/Int Val Managed Vol Registered Investment Company N/R
EQ/International Equity Index Registered Investment Company N/R
EQ/Lg Cap Grw Managed Vol Registered Investment Company N/R
EQ/Lg Cap Val Managed Vol Registered Investment Company N/R
EQ/MFS International Growth Registered Investment Company N/R
EQ/Mid Cap Val Managed Vol Registered Investment Company N/R
EQ/PIMCO Ultra Short Bond Registered Investment Company N/R
EQ/Small Company Index Registered Investment Company N/R
EQ/Value Equity Registered Investment Company N/R
Multimanager Core Bond Registered Investment Company N/R
Target 2035 Allocation Registered Investment Company N/R
American Funds Capital Income Builder Fund – A Registered Investment Company N/R
American Funds Capital World Growth & Income – ARegistered Investment Company N/R
Federated Hermes Equity Income Fund – A Registered Investment Company N/R
Federated Hermes Kaufmann Fund – A Registered Investment Company N/R
Franklin Mutual Beacon Fund – A Registered Investment Company N/R
Invesco Equity & Income Fund – A Registered Investment Company N/R
Invesco Oppenheimer Main Street Fund – A Registered Investment Company N/R
Invesco Charter Fund – A Registered Investment Company N/R
Invesco Diversified Dividend Fund – A Registered Investment Company N/R
Invesco EVQ Int'l Equity A Registered Investment Company N/R
Invesco Discovery MidCap Growth A Registered Investment Company N/R
Indictates party-in-interest

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 LANCASTER BIBLE COLLEGE 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%
Data as of 05/01/2026, Common starting date is 12/31/2000

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