WINDWARD SCHOOL RETIREMENT PLAN Investment Options
Available Funds in WINDWARD SCHOOL RETIREMENT PLAN
Below is the lineup of investment options available to participants in WINDWARD SCHOOL 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 |
|---|
| TIAA Access TIAA Access Nuv Core Bond T3 |
| TIAA Access TIAA Access Nuv Core Equity T3 |
| TIAA Access TIAA Access Nuv Infl Lnk Bd T3 |
| TIAA Access TIAA Access Nuv Intl Equity T3 |
| TIAA Access TIAA Access Nuv LfCy Rt Inc T3 |
| TIAA Access TIAA Access Nuv Lrg Cap Gr T3 |
| TIAA Access TIAA Access Nuv Lrg Cap Val T3 |
| TIAA Access TIAA Access Nuv LifCyc 2015 T3 |
| TIAA Access TIAA Access Nuv LifCyc 2020 T3 |
| TIAA Access TIAA Access Nuv LifCyc 2025 T3 |
| TIAA Access TIAA Access Nuv LifCyc 2030 T3 |
| TIAA Access TIAA Access Nuv LifCyc 2040 T3 |
| TIAA Access TIAA Access Nuv LifCyc 2045 T3 |
| TIAA Access TIAA Access Nuv LifCyc 2050 T3 |
| TIAA Access TIAA Access Nuv Mid Cap Grw T3 |
| TIAA Access TIAA Access Nuv Mid Cap Val T3 |
| TIAA Access TIAA Access Nuv RlEstSecSel T3 |
| TIAA Access TIAA Access Nuv Sm Cp Bl Ix T3 |
| TIAA Access TIAA Access Nuv Qt Sm Cp Eq T3 |
| TIAA Access TIAA Access Nuv LgCp Res Eq T3 |
| TIAA Access TIAA Access Nuv Equity Idx T3 |
| Nuveen LfCycle Ix 2065 Retire |
| CREF CREF Equity Index R2 |
| CREF CREF Growth R2 |
| CREF CREF Stock R2 |
| CREF CREF Core Bond R2 |
| CREF CREF Global Equities R2 |
| CREF CREF Inflation-Linked Bond R2 |
| CREF CREF Social Choice R2 |
| PIMCO Income Admin |
| TIAA Traditional Non Benefit Responsive |
| TIAA Traditional Non Benefit Responsive 2 |
| Nuveen Core Bond Premier |
| Nuveen LfCycle Ix 2010 Retire |
| Nuveen LfCycle Ix 2015 Retire |
| Nuveen LfCycle Ix 2020 Retire |
| Nuveen LfCycle Ix 2025 Retire |
| Nuveen LfCycle Ix 2030 Retire |
| Nuveen LfCycle Ix 2035 Retire |
| Nuveen LfCycle Ix 2040 Retire |
| Nuveen LfCycle Ix 2045 Retire |
| Nuveen LfCycle Ix 2050 Retire |
| Nuveen Internatl Eq Idx Retire |
| Nuveen S&P 500 Index Retire |
| Nuveen Small Cap Bld Idx Rtmt |
| Nuveen LfCycle Ix 2060 Retire |
| American Funds AF EuroPacific Growth Fund R4 |
| American Century Am Century Mid Cap Value Inv |
| Baird Asset Management Baird Short Term Bond Fund Inv |
| BlackRock Inflat Prot Bnd Inst |
| Hartford Hartford Dividend & Growth R5 |
| PGIM PGIM Jennison Growth Z |
| Principal MidCap Fund R5 |
| Nuveen LfCycle Ix 2055 Retire |
| American Funds AF American Balanced Fund R4 |
| TIAA Traditional Benefit-Responsive |
| TIAA Plan Loan Default Fund |
| various dates through December 2028 |
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 WINDWARD SCHOOL 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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