KETTERING UNIVERSITY RETIREMENT PLAN Investment Options
Available Funds in KETTERING UNIVERSITY RETIREMENT PLAN
Below is the lineup of investment options available to participants in KETTERING UNIVERSITY 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 |
|---|
| Baird Aggregate Bond Institutional Fund 887,277 Units (BAGIX) |
| CREF Bond Market R2 8,184 Units |
| CREF Equity Index R2 10,049 Units |
| CREF Global Equities R2 22,811 Units |
| CREF Growth R2 20,040 Units |
| CREF Inflation-Linked Bond R2 13,018 Units (TIILX) |
| CREF Social Choice R2 11,073 Units (TISCX) |
| CREF Stock R2 30,857 Units |
| AB Large Cap Growth Fund Adv 36,806 Shares (AFUAX) |
| American Fd New Perspective R6 53,819 Shares (NPFBX) |
| American EuroPac Growth R6 123,404 Shares |
| Putnam Equity Income Fund Class Y 253,437 Shares (PEIYX) |
| TIAA-CREF Lifecycle 2010-Inst 77,375 Shares (TCLEX) |
| TIAA-CREF Lifecycle 2015-Inst 44,278 Shares (TCLIX) |
| TIAA-CREF Lifecycle 2020-Inst 60,280 Shares (TCLTX) |
| TIAA-CREF Lifecycle 2025-Inst 322,402 Shares (TCLFX) |
| TIAA-CREF Lifecycle 2030-Inst 436,647 Shares (TCLNX) |
| TIAA-CREF Lifecycle 2035-Inst 248,499 Shares (TCLRX) |
| TIAA-CREF Lifecycle 2040-Inst 173,812 Shares (TCLOX) |
| TIAA-CREF Lifecycle 2045-Inst 167,960 Shares (TTFIX) |
| TIAA-CREF Lifecycle 2050-Inst 196,858 Shares (TFTIX) |
| TIAA-CREF Lifecycle 2055-Inst 64,829 Shares (TTRLX) |
| TIAA-CREF Lifecycle 2060-Inst 19,658 Shares (TLXHX) |
| TIAA-CREF Lifecycle 2065-Inst 2,178 Shares (TFIHX) |
| Nuveen Core Impact Bond R6 25,961 Shares (NCIRX) |
| Parnassus Core Equity Inst 1,510 Shares (PRBLX) |
| Vanguard Mid-Cap Index Admiral Shares 11,248 Shares (VIMSX) |
| Vanguard REIT Index Admiral 7,559 Shares (VGSIX) |
| Vanguard Infl Protect Sec Adm 60,340 Shares |
| Vanguard Inst Idx Inst 14,637 Shares |
| Vanguard Small-Cap Idx Inst 45,159 Shares (VISVX) |
| Vanguard Ttl Stk Mkt Idx Inst 75,508 Shares |
| maturing in 2029) |
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 KETTERING UNIVERSITY 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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