Retirement Plan Investment Options

The investment lineup in a retirement plan is designed to provide flexibility in creating a diversified portfolio of investments in one’s retirement plan account.  To learn about available investment options , contact TIAA or view the Princeton University investment lineup and details online at TIAA.

Investment Tiers

The retirement plan’s investment options are arranged in a tiered structure, offering a variety of investment choices across several fund families, in addition to TIAA.

Tier 1: Allocation Tier

The Allocation Tier provides diversified single funds across many investments that is managed to become more conservative as you approach retirement. For this reason, they are called “target retirement funds.” They are the default investment in Princeton’s retirement plans. Therefore, individuals who do not elect an investment have their accounts automatically invested in the target date fund aligned with the year in which they turn 65.

Birth year Investment options Ticker Symbol
Prior to 1949 Vanguard Target Retirement Income Institutional VITRX
1949–1952 Vanguard Target Retirement 2015 Institutional VITVX
1953–1957 Vanguard Target Retirement 2020 Institutional VITWX
1958–1962 Vanguard Target Retirement 2025 Institutional VRIVX
1963–1967 Vanguard Target Retirement 2030 Institutional VTTWX
1968–1972 Vanguard Target Retirement 2035 Institutional VITFX
1973–1977 Vanguard Target Retirement 2040 Institutional

VIRSX

1978–1982 Vanguard Target Retirement 2045 Institutional VITLX
1983–1987 Vanguard Target Retirement 2050 Institutional VTRLX
1988–1992 Vanguard Target Retirement 2055 Institutional VIVLX
1993–1997 Vanguard Target Retirement 2060 Institutional VILVX
1998–Present Vanguard Target Retirement 2065 Institutional VSXFX

Tier 2: Active Tier

The Active Tier consists of  funds that are actively managed by a fund manager. The fund manager buys and sells investments in an attempt to outperform a market benchmark.

Asset Class Actively managed investment options Ticker Symbol
Guaranteed TIAA Traditional3 (guaranteed annuity) N/A
Money Market

CREF Money Market Account R3 (variable annuity)

Vanguard Federal Money Market Fund Investor

QCMMIX

VMFXX

Fixed Income (Bonds) BlackRock Total Return Fund K MPHQX
Balanced CREF Social Choice Account R3 (variable annuity) QCSCIX
Real Estate TIAA Real Estate Account (variable annuity) QREARX
Equities (Stocks)

CREF Global Equities Account R3 (variable annuity)

CREF Stock Account R3 (variable annuity)

Eagle Mid Cap Growth Fund Class R6

MFS Mid Cap Value Fund Class R6

TIAA-CREF Quantum Small-Cap Equity Fund Institutional

Vanguard International Growth Fund Admiral

Vanguard International Value Fund Investor

Vanguard PRIMECAP Fund Admiral

Vanguard Wellington Fund Admiral

Victory Integrity Small-Cap Value Fund R6

QCGLIX

QCSTIX

HRAUX

MVCKX

TISEX

VWILX

VTRIX

VPMAX

VWENX

MVSSX

Tier 3: Passive Tier

The Passive Tier uses index mutual funds, which aim to replicate the performance and risk characteristics of one of several market indices, e.g., Standard & Poor’s 500 Index. These funds provide broad diversification within a single type of asset class at a low cost.

Asset Class Passively managed investment options Ticker Symbol
Fixed Income (Bonds)

Vanguard Total Bond Market Index Fund Institutional

VBTIX
Equities (Stocks)

Vanguard Extended Market Index Fund Institutional

Vanguard FTSE Social Index Fund Investor

Vanguard Institutional Index

Vanguard Total International Stock Index Fund Institutional

Vanguard Total Stock Market Index Fund Institutional

VIEIX

VFTSX

VINIX

VTSNX

VITSX

Tier 4: TIAA Brokerage Account

The TIAA Brokerage Account option provides access to thousands of mutual funds from many well-known fund families. While the investment lineup in the other tiers is designed to meet the needs of most plan participants, the brokerage option may appeal to active, experienced investors or those investors who desire expanded investment choices.

Neither the University nor its financial advisor, CAPTRUST, monitors investments offered through the TIAA Brokerage Account.

Investment option

Self-directed brokerage account with access to thousands of mutual funds.

Contact TIAA at (800) 927-3059.