MENLO SCHOOL DEFINED CONTRIBUTION RETIREMENT PLAN Investment Options
Available Funds in MENLO SCHOOL DEFINED CONTRIBUTION RETIREMENT PLAN
Below is the lineup of investment options available to participants in MENLO SCHOOL DEFINED CONTRIBUTION 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 Option List |
|---|
| CREF Stock R2 Registered Investment |
| CREF Social Choice R2 Registered Investment (TISCX) |
| CREF Global Equities R2 Registered Investment |
| CREF Growth R2 Registered Investment |
| CREF Equity Index R2 Registered Investment |
| CREF Inflation-Linked Bond R2 Registered Investment (TIILX) |
| TIAA Access T-C Bond Plus T4 Registered Investment |
| TIAA Access T-C Bond T4 Registered Investment |
| TIAA Access T-C Infl Lnk Bd T4 Registered Investment |
| TIAA Access T-C Intl Equity T4 Registered Investment |
| TIAA Access T-C Lrg Cap Gr T4 Registered Investment |
| TIAA Access T-C Lrg Cap Val T4 Registered Investment |
| TIAA Access T-C LifCyc 2015 T4 Registered Investment |
| TIAA Access T-C LifCyc 2020 T4 Registered Investment |
| TIAA Access T-C LifCyc 2025 T4 Registered Investment |
| TIAA Access T-C LifCyc 2030 T4 Registered Investment |
| TIAA Access T-C LifCyc 2035 T4 Registered Investment |
| TIAA Access T-C LifCyc 2040 T4 Registered Investment |
| TIAA Access T-C LifCyc 2045 T4 Registered Investment |
| TIAA Access T-C LifCyc 2050 T4 Registered Investment |
| TIAA Access T-C Mid Cap Grw T4 Registered Investment |
| TIAA Access T-C Mid Cap Val T4 Registered Investment |
| TIAA Access T-C Money Mkt T4 Registered Investment |
| TIAA Access T-C Rl Est Sec T4 Registered Investment |
| TIAA Access T-C Sm Cp Bl Ix T4 Registered Investment |
| CREF Core Bond R2 Registered Investment |
| Nuveen Lfcyle Idx 2010-Inst Registered Investment |
| Nuveen Lfcyle Idx 2015-Inst Registered Investment |
| Nuveen Lfcyle Idx 2020-Inst Registered Investment |
| Nuveen Lfcyle Idx 2025-Inst Registered Investment |
| Nuveen Lfcyle Idx 2030-Inst Registered Investment |
| Nuveen Lfcyle Idx 2035-Inst Registered Investment |
| Nuveen Lfcyle Idx 2040-Inst Registered Investment |
| Nuveen Lfcyle Idx 2045-Inst Registered Investment |
| Nuveen Lfcyle Idx 2050-Inst Registered Investment |
| Nuveen Lfcyle Idx 2055-Inst Registered Investment |
| American Fd New Perspective R6 Registered Investment (NPFBX) |
| American Funds Balanced Fd R6 Registered Investment (GBLAX) |
| BlackRock Inflat Prot Bnd Inst Registered Investment |
| Vanguard Federal Money Mkt Inv Registered Investment (VMFXX) |
| Vanguard Small-Cap Idx Adm Registered Investment (VISVX) |
| Vanguard Mid-Cap Idx Adm Registered Investment (VIMSX) |
| American Cent MdCpVa Fd Cla R6 Registered Investment |
| Baird Short Term Bond Fd Inst Registered Investment (BSBIX) |
| Calvert Conservative Alloc I Registered Investment |
| Calvert Small Cap I Registered Investment (CSVIX) |
| BNY Mellon Bond Market Index I Registered Investment |
| Dodge & Cox Global Bond Fund I Registered Investment (DODLX) |
| Carillon Eagle Mid Cap Grw R6 Registered Investment (HMRYX) |
| Janus Henderson Triton N Registered Investment (JCNNX) |
| Lord Abbett Bond Debenture I Registered Investment (LBDFX) |
| Parnassus Core Equity Inst Registered Investment (PRBLX) |
| American Funds New World R6 Registered Investment (HVWBX) |
| Vanguard 500 Idx Adm Registered Investment (VFINX) |
| Vanguard Small-Cap Val Idx Adm Registered Investment (TRSVX) |
| Vanguard Devlopd Mkts Idx Adm Registered Investment |
| Vanguard Value Index Adm Registered Investment (VTRIX) |
| Vanguard Intl Growth Adm Registered Investment (VTGLX) |
| Schwab Treas Infl Prot Sec Idx Registered Investment |
| Vanguard Emr Mkts Stk Idx Adm Registered Investment |
| DFA International Vect Eq Inst Registered Investment |
| Vanguard Growth Index Adm Registered Investment (VTGLX) |
| TIAA Access Nuv Core Equity T4 Registered Investment |
| TIAA Access Nuv Qt Sm Cp BI lx T4 Registered Investment |
| TIAA Access Nuv LgCp Res Eq T4 Registered Investment |
| Nuveen Large Cap Resp Eq R6 Registered Investment |
| American EuoPac Growth R6 Registered Investment |
| Nuveen Core Impact Bond R6 Registered Investment (NCIRX) |
| Nuveen LfCycle lx 2060 R6 Registered Investment |
| Nuveen LfCycle lx 2065 R6 Registered Investment |
| TIAA Traditional Benefit |
| TIAA Traditional Non- |
| Notes receivable from participants Collateralized by vested — |
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 MENLO SCHOOL DEFINED CONTRIBUTION 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% | … | … |
Get Key Insights for This Plan
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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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