Your plan's funds - USC RETIREMENT SAVINGS PROGRAM TAX DEFERRED ANNUITY 403(B) PLAN


Your plan offers the following diversified lineup of funds. Click any fund name for more information about a particular fund, or visit Vanguard.com to obtain prospectus.
All investing is subject to risk.

Variable Return Funds in the plan
All-in-one options
Fund name Fund symbol/
number
Total annual operating expenses Average annual total return**
 as of 04/30/2020
Benchmark
As a % Per $1000 1-Year 5-Year 10-Year Since inception 1-Year 5-Year 10-Year
Vanguard Inst Target Ret Inc Fund VITRX
1673
0.09% 0.90 4.19%       4.37%
(06/26/2015)
4.84% 4.25% 5.42%
Target Retirement Income Composite Index
Vanguard Inst Target Ret 2015 Fund VITVX
1663
0.09% 0.90 3.37%       4.73%
(06/26/2015)
4.08% 4.70% 6.60%
Target Retirement 2015 Composite Index
Vanguard Inst Target Ret 2020 Fund VITWX
1664
0.09% 0.90 1.72%       4.97%
(06/26/2015)
2.52% 5.00% 7.19%
Target Retirement 2020 Composite Index
Vanguard Inst Target Ret 2025 Fund VRIVX
1665
0.09% 0.90 0.57%       5.11%
(06/26/2015)
1.52% 5.21% 7.56%
Target Retirement 2025 Composite Index
Vanguard Inst Target Ret 2030 Fund VTTWX
1666
0.09% 0.90 –0.54%       5.13%
(06/26/2015)
0.36% 5.27% 7.85%
Target Retirement 2030 Composite Index
Vanguard Inst Target Ret 2035 Fund VITFX
1667
0.09% 0.90 –1.70%       5.14%
(06/26/2015)
-0.82% 5.33% 8.13%
Target Retirement 2035 Composite Index
Vanguard Inst Target Ret 2040 Fund VIRSX
1668
0.09% 0.90 –2.90%       5.11%
(06/26/2015)
-2.03% 5.36% 8.32%
Target Retirement 2040 Composite Index
Vanguard Inst Target Ret 2045 Fund VITLX
1669
0.09% 0.90 –4.03%       5.03%
(06/26/2015)
-3.16% 5.29% 8.28%
Target Retirement 2045 Composite Index
Vanguard Inst Target Ret 2050 Fund VTRLX
1670
0.09% 0.90 –4.01%       5.03%
(06/26/2015)
-3.16% 5.29% 8.28%
Target Retirement 2050 Composite Index
Vanguard Inst Target Ret 2055 Fund VIVLX
1671
0.09% 0.90 –4.00%       5.04%
(06/26/2015)
-3.16% 5.29%
Target Retirement 2055 Composite Index
Vanguard Inst Target Ret 2060 Fund VILVX
1672
0.09% 0.90 –3.96%       5.03%
(06/26/2015)
-3.16% 5.29%
Target Retirement 2060 Composite Index
Vanguard Inst Target Ret 2065 Fund VSXFX
1792
0.09% 0.90 –4.12%       3.88%
(07/12/2017)
-3.16%
Target Retirement 2065 Composite Index
Other options
Fund name Fund symbol/
number
Total annual operating expenses Average annual total return**
 as of 04/30/2020
Benchmark
As a % Per $1000 1-Year 5-Year 10-Year Since inception 1-Year 5-Year 10-Year
Short-Term Reserves
NYL Guaranteed Interest Acct 10 - 2016A
6803
0.10% 1.00 2.23%       2.08%
(03/01/2016)
7.99% 3.06% 3.25%
Bloomberg Barclays U.S. Intermediate Aggregate Bond Index
Vanguard Federal Money Mkt Fund VMFXX
0033
0.11% 1.10 1.75%   1.09%   0.55%   4.11%
(07/13/1981)
1.24% 0.68% 0.34%
U.S. Government Money Market Funds Average
Bond Funds
MainStay MacKay High Yield Corp Bd R6 MHYSX
6805
0.59% 5.90 –3.69%   3.68%     4.02%
(06/17/2013)
-5.27% 3.20% 5.65%
ICE BofA US HY Constnd TR USD
Metropolitan West Total Return Bd Plan MWTSX
3449
0.37% 3.70 10.80%   3.82%     4.47%
(07/29/2011)
10.84% 3.80% 3.96%
BBgBarc US Agg Bond TR USD
PIMCO Real Return Instl PRRIX
2761
0.98% 9.80 8.60%   2.85%   3.38%   5.76%
(01/29/1997)
9.46% 3.08% 3.52%
BBgBarc US Treasury US TIPS TR USD
Vanguard Tot Intl Bond Ix Institl VTIFX
2011
0.07% 0.70 6.32%   3.87%     4.26%
(05/31/2013)
6.52% 4.06%
Bloomberg Barclays Global Aggregate ex-USD Float Adjusted RIC Capped Index Hedged
Vanguard Total Bond Mkt Index Inst VBTIX
0222
0.04% 0.35 10.88%   3.76%   3.92%   5.26%
(09/18/1995)
11.03% 3.84% 3.99%
Spliced Bloomberg Barclays U.S. Aggregate Float Adjusted Index
Wells Fargo Short Duration Govt Bd R6 MSDRX
6633
0.43% 4.30 5.07%   1.89%     1.56%
(11/30/2012)
5.31% 1.86% 1.44%
BBgBarc US Govt 1-3 Yr TR USD
Balanced Funds (Stocks and Bonds)
Vanguard Wellington Fund Admiral VWENX
0521
0.17% 1.70 2.56%   6.69%   8.72%   7.40%
(05/14/2001)
4.94% 7.70% 9.48%
Wellington Composite Index
Domestic Stock Funds
Carillon Eagle Mid Cap Growth R6 HRAUX
6182
0.65% 6.50 1.64%   9.77%     13.23%
(08/15/2011)
0.23% 8.88% 12.19%
Russell Mid Cap Growth TR USD
Goldman Sachs Small Cap Value Instl GSSIX
2465
0.97% 9.70 –25.65%   –0.36%   6.63%   7.69%
(08/15/1997)
-23.84% 0.30% 5.30%
Russell 2000 Value TR USD
JHancock Disciplined Value R6 JDVWX
6274
0.71% 7.10 –14.15%   2.60%     9.48%
(09/01/2011)
-11.01% 3.90% 8.54%
Russell 1000 Value TR USD
Loomis Sayles Small Cap Growth Instl LSSIX
3444
0.95% 9.50 –7.72%   7.74%   11.79%   6.89%
(12/31/1996)
-9.22% 5.19% 9.96%
Russell 2000 Growth TR USD
MFS Mid Cap Value R6 MVCKX
6378
0.68% 6.80 –14.74%   2.54%     7.10%
(02/01/2013)
-16.74% 1.99% 8.09%
Russell Mid Cap Value TR USD
Neuberger Berman Sustainable Eq R6 NRSRX
6188
0.59% 5.90 –3.52%   6.25%     8.95%
(03/15/2013)
0.86% 9.12% 11.69%
S&P 500 TR USD
Principal Real Estate Securities Inst PIREX
6038
0.93% 9.30 –7.40%   4.94%   9.08%   10.70%
(03/01/2001)
-14.26% 2.40% 7.54%
MSCI US REIT GR USD
Vanguard Capital Opportunity Adm VHCAX
5111
0.37% 3.70 –4.00%   8.95%   12.08%   10.25%
(11/12/2001)
0.23% 8.88% 12.19%
Russell Midcap Growth Index
Vanguard FTSE Social Index Inst VFTNX
0223
0.12% 1.20 2.49%   9.84%   12.31%   8.58%
(01/14/2003)
2.56% 9.92% 12.43%
Spliced Social Index
Vanguard Inst Index Fund Inst Plus VIIIX
0854
0.02% 0.20 0.86%   9.12%   11.69%   7.27%
(07/07/1997)
0.86% 9.12% 11.69%
S&P 500 Index
Vanguard Mid-Cap Index Fund Inst VMCIX
0864
0.04% 0.40 –8.08%   4.96%   9.96%   9.07%
(05/21/1998)
-8.10% 4.98% 9.98%
Spliced Mid Cap Index
Vanguard Small-Cap Index Fund Inst VSCIX
0857
0.04% 0.40 –15.17%   3.56%   8.75%   7.83%
(07/07/1997)
-15.21% 3.54% 8.71%
Spliced Small Cap Index
International Stock Funds
American Funds Europacific Growth R6 RERGX
3186
0.49% 4.90 –7.60%   2.11%   5.02%   7.48%
(05/01/2009)
-11.51% -0.17% 2.89%
MSCI ACWI Ex USA NR USD
MFS International Intrinsic Value R6 MINJX
3844
0.63% 6.30 0.31%   6.70%   9.29%   6.60%
(05/01/2006)
-20.48% -3.66% 1.35%
MSCI EAFE Value NR USD
Vanguard Emerging Mkts Stk Ix Inst VEMIX
0239
0.10% 1.00 –12.69%   –0.86%   1.23%   6.31%
(06/22/2000)
-11.82% -0.78% 1.26%
Spliced Emerging Markets Index
Vanguard Tot Intl Stock Ix Inst VTSNX
1869
0.08% 0.80 –12.25%   –0.10%     2.83%
(11/29/2010)
-11.47% 0.02% 3.07%
Spliced Total International Stock Index
William Blair Emerging Mkts Ldrs R6 WELIX
6575
1.20% 12.00 –7.50%   0.72%   2.78%   1.33%
(03/26/2008)
-12.00% -0.10% 1.45%
MSCI EM NR USD
Client Specific Funds
Self-Directed Brokerage
2733
     

** Returns are adjusted for fees where applicable. Click a fund name to view the fund profile for additional detail.

a As of 04/30/2020

The performance data shown represents past performance, which is not a guarantee of future results. Investment returns and principal value will fluctuate, so that investors' shares, when sold, may be worth more or less than their original cost. Current performance may be lower or higher than the performance data cited.

Performance data for periods of less than one year do not reflect the deduction of purchase and redemption fees. Some funds may have administrative expenses related to the cost of employer plan recordkeeping, which are not reflected in the figures. If these fees were included, the performance would be lower. All other performance data are adjusted for purchase and redemption fees where applicable. Click a fund name to view the fund profile for additional detail.

©2007 Morningstar, Inc. All Rights Reserved. Certain information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.

 

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