TWINING RETIREMENT SAVINGS PLAN Investment Options
Available Funds in TWINING RETIREMENT SAVINGS PLAN
Below is the lineup of investment options available to participants in TWINING RETIREMENT SAVINGS 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 |
|---|
| T. Rowe Price Blue Chip Growth I Value in (TRBCX) |
| Mutual of America 2040 Retirement Value in (MURLX) |
| Mutual of America Equity Index Value in (MAMVX) |
| Mutual of America 2050 Retirement Value in (MURNX) |
| BlackRock Mid-Cap Growth Equity K Value in (CMGIX) |
| Mutual of America 2030 Retirement Value in (MURIX) |
| Mutual of America 2025 Retirement Value in (MURHX) |
| Mutual of America 2045 Retirement Value in (MURMX) |
| Mutual of America 2035 Retirement Value in (MURJX) |
| Dodge & Cox Stock Value in (DODFX) |
| Mutual of America 2055 Retirement Value in (MUROX) |
| Vanguard International Growth Adm Value in (VWILX) |
| Mutual of America 2020 Retirement Value in (MURGX) |
| MFS Mid Cap Value R6 Value in (MCVIX) |
| Mutual of America Small Cap Equity Index Value in (MAVKX) |
| Mutual of America Mid-Cap Equity Index Value in (MAMVX) |
| Mutual of America 2060 Retirement Value in (MURPX) |
| Mutual of America Retirement Income Value in (MARMX) |
| Mutual of America 2065 Retirement Value in (MURQX) |
| Calvert US Large Cap Core Rspnb Idx R6 Value in (TVBCX) |
| Calvert International Responsible Idx R6 Value in (CDHRX) |
| American Funds New World R6 Value in (HVWBX) |
| Calvert Small-Cap R6 Value in (CSVIX) |
| Delaware Small Cap Value R6 Value in (DEVIX) |
| Victory RS Small Cap Growth R6 Value in (KGSCX) |
| MoA International Fund Value in (VTRIX) |
| Calvert Bond R6 Value in (CBDIX) |
| PIMCO Real Return Instl Value in (PRLPX) |
| Notes receivable from participants Rates from 4.75% to 9.50%, maturing from 2025 to 2039 -0- |
| Mutual of America MoA Equity (MAEIX) |
| Mutual of America T. Rowe Price Blue Chip Growth I (TRBCX) |
| Mutual of America MFS Mid Cap Value R6 (MAMVX) |
| Mutual of America MoA Mid Cap Equity (MAMEX) |
| Mutual of America Calvert Small-Cap R6 (MAGKX) |
| Mutual of America Delaware Small Cap Value R6 (MAVKX) |
| Mutual of America MoA Small Cap Equity (MASOX) |
| Mutual of America Victory RS Small Cap Growth R6 (MAGKX) |
| Mutual of America Calvert Bond R6 (MAMBX) |
| Mutual of America PIMCO Real Return Instl (PRLPX) |
| Mutual of America American Funds New World R6 (HVWBX) |
| Mutual of America Calvert International Responsible Idx R6 (CDHRX) |
| Mutual of America MoA International Fund (MAIFX) |
| Mutual of America Vanguard International Growth Adm (VWILX) |
| Mutual of America MoA Retirement Income Fund (MARMX) |
| Mutual of America MoA Clear Passage 2015 Fund (MURFX) |
| Mutual of America MoA Clear Passage 2020 Fund (MURUX) |
| Mutual of America MoA Clear Passage 2025 Fund (MURHX) |
| Mutual of America MoA Clear Passage 2030 Fund (MURUX) |
| Mutual of America MoA Clear Passage 2035 Fund (MURUX) |
| Mutual of America MoA Clear Passage 2040 Fund (MURLX) |
| Mutual of America MoA Clear Passage 2045 Fund (MURUX) |
| Mutual of America MoA Clear Passage 2050 Fund (MURUX) |
| Mutual of America MoA Clear Passage 2055 Fund (MURUX) |
| Mutual of America MoA Clear Passage 2060 Fund (MURUX) |
| Mutual of America MoA Clear Passage 2065 Fund (MURUX) |
| Mutual of America Calvert US Large Cap Core Rspnb Idx R6 |
| Mutual of America Dodge & Cox Stock (DODFX) |
| Mutual of America BlackRock Mid-Cap Growth Equity K (CMGIX) |
| Mutual of America Loan Fund (MAMBX) |
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 TWINING RETIREMENT SAVINGS 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
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