RETIREMENT PLAN FOR SCOPE EDUCATION SERVICES Investment Options
Available Funds in RETIREMENT PLAN FOR SCOPE EDUCATION SERVICES
Below is the lineup of investment options available to participants in RETIREMENT PLAN FOR SCOPE EDUCATION SERVICES. 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 |
|---|
| TIAA CREF Investments TIAA Traditional Non Benefit Responsive 2 {+} |
| TIAA CREF Investments CREF Stock {+} |
| TIAA CREF Investments CREF Social Choice {+} |
| TIAA CREF Investments CREF Global Equities {+} |
| TIAA CREF Investments CREF Growth {+} |
| TIAA CREF Investments CREF Equity Index {+} |
| TIAA CREF Investments CREF Inflation-Linked Bond {+} |
| TIAA CREF Investments TIAA Access Nuv Core PI Bd {+} |
| TIAA CREF Investments TIAA Access Nuv Equity Idx {+} |
| TIAA CREF Investments TIAA Access Nuv Core Equity {+} |
| TIAA CREF Investments TIAA Access Nuv Intl Equity {+} |
| TIAA CREF Investments TIAA Access Nuv Lrg Cap Gr {+} |
| TIAA CREF Investments TIAA Access Nuv Lrg Cap Val {+} |
| TIAA CREF Investments TIAA Access Nuv LifCyc 2010 {+} |
| TIAA CREF Investments TIAA Access Nuv LifCyc 2015 {+} |
| TIAA CREF Investments TIAA Access Nuv LifCyc 2020 {+} |
| TIAA CREF Investments TIAA Access Nuv LifCyc 2025 {+} |
| TIAA CREF Investments TIAA Access Nuv LifCyc 2030 {+} |
| TIAA CREF Investments TIAA Access Nuv LifCyc 2035 {+} |
| TIAA CREF Investments TIAA Access Nuv LifCyc 2040 {+} |
| TIAA CREF Investments TIAA Access Nuv LifCyc 2045 {+} |
| TIAA CREF Investments TIAA Access Nuv LifCyc 2050 {+} |
| TIAA CREF Investments TIAA Access Nuv Mid Cap Grw {+} |
| TIAA CREF Investments TIAA Access Nuv Mid Cap Val {+} |
| TIAA CREF Investments TIAA Access Nuv RIEstSecSel {+} |
| TIAA CREF Investments TIAA Access Nuv Sm Cp BI Ix {+} |
| TIAA CREF Investments TIAA Access Nuv Qt Sm Cp Eq {+} |
| TIAA CREF Investments TIAA Access Nuv LgCp Res Eq {+} |
| TIAA CREF Investments CREF Core Bond {+} |
| TIAA CREF Investments Nuveen Core Bond Premier {+} |
| TIAA CREF Investments Nuveen LfCycle Ix 2010 Retire {+} |
| TIAA CREF Investments Nuveen LfCycle Ix 2015 Retire {+} |
| TIAA CREF Investments Nuveen LfCycle Ix 2020 Retire {+} |
| TIAA CREF Investments Nuveen LfCycle Ix 2025 Retire {+} |
| TIAA CREF Investments Nuveen LfCycle Ix 2030 Retire {+} |
| TIAA CREF Investments Nuveen LfCycle Ix 2035 Retire {+} |
| TIAA CREF Investments Nuveen LfCycle Ix 2040 Retire {+} |
| TIAA CREF Investments Nuveen LfCycle Ix 2045 Retire {+} |
| TIAA CREF Investments Nuveen LfCycle Ix 2050 Retire {+} |
| TIAA CREF Investments Nuveen LfCycle Ix 2055 Retire {+} |
| TIAA CREF Investments Nuveen LfCyc Ix Ret Inc Retire {+} |
| TIAA CREF Investments Nuveen S&P 500 Index Retire {+} |
| TIAA CREF Investments Nuveen Small Cap Bld Idx Rtmt {+} |
| TIAA CREF Investments BlackRock Inflat Prot Bnd Inst {+} |
| TIAA CREF Investments PGIM Jennison Growth Z {+} |
| TIAA CREF Investments Hartford Dividend & Growth {+} |
| TIAA CREF Investments AF EuroPacific Growth Fund {+} |
| TIAA CREF Investments AF American Balanced Fund {+} |
| TIAA CREF Investments Nuveen LfCycle Ix 2060 Retire {+} |
| TIAA CREF Investments Goldman Sachs Intl SmCplns Inv {+} |
| TIAA CREF Investments Am Century Mid Cap Value Inv {+} |
| TIAA CREF Investments Principal MidCap Fund {+} |
| TIAA CREF Investments Baird Short Term Bond Fund Inv {+} |
| TIAA CREF Investments AB Global Bond Advisor {+} |
| TIAA CREF Investments Transamerica Intl Equity I {+} |
| TIAA CREF Investments Nuveen LfCycle Ix 2065 Retire {+} |
| TIAA CREF Investments American Fds New World {+} |
| TIAA CREF Investments PIMCO Income Admin {+} |
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 RETIREMENT PLAN FOR SCOPE EDUCATION SERVICES. 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?
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