NAMI 403(B) PLAN Investment Options
Available Funds in NAMI 403(B) PLAN
Below is the lineup of investment options available to participants in NAMI 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.
| Investment Description |
|---|
| College Retirement Equities Fund CREF Stock |
| Principal Trust Company Principal Lifetime 2025 R5 Fund |
| College Retirement Equities Fund CREF Growth |
| College Retirement Equities Fund CREF Global Equities |
| TIAA-CREF TIAA Traditional Non-Benefit Responsive |
| Principal Trust Company Principal Lifetime 2045 R5 Fund |
| College Retirement Equities Fund CREF Social Choice |
| Principal Trust Company Principal Lifetime 2015 R5 Fund |
| College Retirement Equities Fund CREF Bond Market |
| College Retirement Equities Fund CREF Equity Index |
| College Retirement Equities Fund CREF Inflation-Linked Bond |
| TIAA-CREF TIAA Access Lg-Cap Val |
| TIAA-CREF TIAA Access Intl Equity |
| Principal Trust Company Principal Lifetime 2055 R5 Fund |
| TIAA-CREF TIAA Access Sm-Cap Bl Idx |
| Principal Trust Company Principal Lifetime 2035 R5 Fund |
| TIAA-CREF TIAA Access Sm-Cap Equity |
| TIAA-CREF TIAA Access Real Est Secs |
| TIAA-CREF TIAA Access Growth & Income |
| TIAA-CREF TIAA Access Mid-Cap Val |
| Principal Trust Company Principal Capital Appreciation R5 Fund |
| TIAA-CREF TIAA Access Lifecycle 2040 |
| TIAA-CREF TIAA Access Lifecycle 2045 T4 |
| TIAA-CREF TIAA Access Lg-Cap Gr |
| Principal Trust Company Principal Midcap S&P 400 Index R5 Fund |
| Principal Trust Company Principal Bond Mkt Index R5 Fd |
| TIAA-CREF TIAA Access Mid-Cap Gr |
| Principal Trust Company Principal Lifetime 2065 R5 Fund |
| Fidelity Management & Research Fid Adv High Inc Advant A Fund |
| TIAA-CREF TIAA Access Lifecycle 2050 |
| TIAA-CREF TIAA Access Bond Plus |
| Victory Capital Management Victory Sycamore Established Value R Fund |
| TIAA-CREF TIAA Access Lifecycle 2060 |
| Fidelity Management & Research Fidelity Adv Equity Growth Fund |
| Principal Trust Company Principal International Equity |
| TIAA-CREF TIAA Access Lifecycle 2055 |
| Principal Trust Company Principal Diversified International Fund |
| Principal Trust Company Principal Bond Market |
| Principal Trust Company Principal Core Fixed Income Fund |
| Securities Fund |
| Principal Global Investors Principal Smallcap S&P |
| Principal Global Investors Principal Largecap S&P |
| Columbia Fund Columbia Dividend Income Fund |
| Columbia Fund Columbia Small Cap Value Fund |
| Calamos Investment Calamos International Growth Fund |
| American Funds New Perspective Fund |
| Calvert Calvert Cons Allocation A Fund |
| Calvert Calvert Gwth Allocation A Fund |
| Delaware Funds Ivy Mid Cap Growth Fund |
| Principal Global Investors Multiple Sub-Advisors – Principal LifeTime 2020 Fund |
| Principal Global Investors Multiple Sub-Advisors – Principal LifeTime 2030 Fund |
| Principal Global Investors Multiple Sub-Advisors – Principal LifeTime 2040 Fund |
| Principal Global Investors Multiple Sub-Advisors – Principal LifeTime 2050 Fund |
| Principal Global Investors Multiple Sub-Advisors – Principal LifeTime 2060 Fund |
| Principal Global Investors Multiple Sub-Advisors – Strategic Income Fund |
| TIAA-CREF TIAA Traditional Benefit Responsive |
| Principal Trust Company Principal Fixed Income Guaranteed Option |
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 NAMI 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% | … | … |
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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
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