POLYTECHNIC SCHOOL DEFINED CONTRIBUTION RETIREMENT PLAN Investment Options
Available Funds in POLYTECHNIC SCHOOL DEFINED CONTRIBUTION RETIREMENT PLAN
Below is the lineup of investment options available to participants in POLYTECHNIC 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 Description |
|---|
| CREF Stock R2 |
| CREF Social Choice R2 |
| CREF Core Bond R2 |
| CREF Global Equities R2 |
| CREF Growth R2 |
| CREF Equity Index R2 |
| CREF Inflation-Linked Bond R2 |
| TIAA-CREF Lifecycle 2010 – Retirement |
| TIAA-CREF Lifecycle 2015 – Retirement |
| TIAA-CREF Lifecycle 2020 – Retirement |
| TIAA-CREF Lifecycle 2025 – Retirement |
| TIAA-CREF Lifecycle 2030 – Retirement |
| TIAA-CREF Lifecycle 2035 – Retirement |
| TIAA-CREF Lifecycle 2040 – Retirement |
| TIAA-CREF Lifecycle 2045 – Retirement |
| TIAA-CREF Lifecycle 2050 – Retirement |
| TIAA-CREF Lifecycle 2055 – Retirement |
| TIAA-CREF Lifecycle 2060 – Retirement |
| TIAA-CREF Lifecycle Retirement Income |
| TIAA-CREF Internal Equity – Retirement |
| TIAA-CREF Large-Cap Value – Retirement |
| TIAA-CREF Mid-Cap Growth – Retirement |
| TIAA-CREF Mid-Cap Value – Retirement |
| TIAA-CREF Small-Cap Equity Retirement |
| T. Rowe Price T. Rowe Blue Chip Growth |
| T. Rowe Price Retire 2010 Fund |
| T. Rowe Price Retire 2015 Fund |
| T. Rowe Price Retire 2020 Fund |
| T. Rowe Price Retire 2025 Fund |
| T. Rowe Price Retire 2030 Fund |
| T. Rowe Price Retire 2035 Fund |
| T. Rowe Price Retire 2040 Fund |
| T. Rowe Price Retire 2045 Fund |
| T. Rowe Price Retire 2050 Fund |
| T. Rowe Price Retire 2055 Fund |
| T. Rowe Price Retire 2060 Fund |
| Vanguard Small-Cap Idx Adm |
| Vanguard Ttl BD Mkt Idx Adm |
| Vanguard Mid-Cap Idx Adm |
| Vanguard 500 Idx Adm |
| Vanguard Ttl Intl Stk Idx Adm |
| Vanguard FTSE Social Index Adm |
| Western Asset Western Asset Core Bond IS |
| Dodge & Cox Dodge & Cox Balances |
| DFA US Large Cap Value Inst |
| DFA Internal Core Eq Inst |
| TIAA Traditional Benefit Responsive |
| TIAA Traditional Non Benefit Responsive |
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 POLYTECHNIC 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% | … | … |
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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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