SIMPSON COLLEGE DEFINED CONTRIBUTION RETIREMENT PLAN Investment Options
Available Funds in SIMPSON COLLEGE DEFINED CONTRIBUTION RETIREMENT PLAN
Below is the lineup of investment options available to participants in SIMPSON COLLEGE 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 |
|---|
| TIAA Traditional – Benefit Responsive 2 |
| TIAA Traditional – Non Benefit Responsive |
| TIAA Traditional – Non Benefit Responsive 2 |
| CREF Stock (TLSTX) |
| CREF Social Choice (TISCX) |
| CREF Bond Market (TIBDX) |
| CREF Global Equities (CGSIX) |
| CREF Growth (TIGRX) |
| CREF Equity Index (TCIEX) |
| CREF Inflation-Linked Bond (TIILX) |
| American EuroPac Growth R6 (ACLIX) |
| Vanguard 500 Idx Adm (VFINX) |
| Vanguard Federal Money Mkt Inv (VMFXX) |
| Vanguard Ttl Bd Mkt Idx Adm (VTSSX) |
| American Funds New World R6 (HVWBX) |
| John Hancock Disciplnd Val R6 |
| Harbor Capital Appreciatn Inst (HAGVX) |
| MFS Mid Cap Value Class R6 (MCVIX) |
| Vanguard Extended Mkt Idx Adm (VEMSX) |
| Vanguard Ttl Intl Stk Idx Adm |
| MassMutual Mid Cap Growth I (MEFYX) |
| Principal Small Cap Grwth I R6 |
| Victory SYC Small Comp OPP I |
| JPMorgan Core Plus Bond Fd R6 (JCPUX) |
| Nuveen Lifecycle Ret Inc R6 (TLCRX) |
| Nuveen Lifecycle Ret Inc Rtmt (TLCRX) |
| Nuveen Lifecycle 2010 Retire |
| Nuveen Lifecycle 2015 R6 (TLCRX) |
| Nuveen Lifecycle 2015 Retire (TRETX) |
| Nuveen Lifecycle 2020 R6 (TLCRX) |
| Nuveen Lifecycle 2020 Retire (TLCRX) |
| Nuveen Lifecycle 2025 R6 (TLCRX) |
| Nuveen Lifecycle 2025 Retire |
| Nuveen Lifecycle 2030 R6 (TLCRX) |
| Nuveen Large Cap Value Retire (NNGRX) |
| Nuveen Lifecycle 2030 Retire (TRETX) |
| Nuveen Lifecycle 2035 R6 |
| Nuveen Lifecycle 2035 Retire (TLCRX) |
| Nuveen Lifecycle 2040 R6 (TLCRX) |
| Nuveen Lifecycle 2040 Retire |
| Nuveen Lifecycle 2045 R6 (TTFIX) |
| Nuveen Lifecycle 2045 Retire (TTFIX) |
| Nuveen Lifecycle 2050 R6 (TFTIX) |
| Nuveen Lifecycle 2050 Retire (TFTIX) |
| Nuveen Lifecycle 2055 R6 (TLCRX) |
| Nuveen Lifecycle 2055 Retire (TLCRX) |
| Nuveen Mid Cap Growth Retire (FISGX) |
| Nuveen Mid Cap Value Retire (FSEIX) |
| Nuveen Quant Sm Cp Eq Retire |
| Nuveen Lifecycle 2060 R6 (TLCRX) |
| Nuveen Lifecycle 2065 R6 (TLCRX) |
| Notes receivable from participants |
| Interest rate of 9.50%, due in |
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 SIMPSON COLLEGE 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?
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