Investment options of DES MOINES UNIVERSITY DEFINED CONTRIBUTION 403(B) PLAN
Total Available Funds: 47
| Investment Description |
|---|
| TIAA-CREF TIAA-CREF Lifecycle 2015-Rtmt |
| TIAA-CREF TIAA-CREF Lifecycle 2020-Rtmt |
| TIAA-CREF TIAA-CREF Lifecycle 2025-Rtmt |
| TIAA-CREF TIAA-CREF Lifecycle 2030-Rtmt |
| TIAA-CREF TIAA-CREF Lifecycle 2035-Rtmt |
| TIAA-CREF TIAA-CREF Lifecycle 2040-Rtmt |
| TIAA-CREF TIAA-CREF Lifecycle 2045-Rtmt |
| TIAA-CREF TIAA-CREF Lifecycle 2050-Rtmt |
| TIAA-CREF TIAA-CREF Lifecycle 2055-Rtmt |
| TIAA-CREF TIAA-CREF Lfcyle Rtmt Inc-Rtmt |
| TIAA-CREF TIAA-CREF Intl Eq-Rtmt |
| TIAA-CREF TIAA-CREF Lg-Cap Val-Rtmt |
| TIAA-CREF TIAA-CREF Mid-Cap Gr-Rtmt |
| TIAA-CREF TIAA-CREF Mid-Cap Val-Rtmt |
| TIAA-CREF TIAA-CREF Sm-Cap Eq-Rtmt |
| Vanguard Group Vanguard Institutional Target Retirement Inc Inv Fund |
| Vanguard Group Vanguard Institutional Target Retirement 2020 Inv Fund |
| Vanguard Group Vanguard Institutional Target Retirement 2025 Inv Fund |
| Vanguard Group Vanguard Institutional Target Retirement 2030 Inv Fund |
| Vanguard Group Vanguard Institutional Target Retirement 2035 Inv Fund |
| Vanguard Group Vanguard Institutional Target Retirement 2040 Inv Fund |
| Vanguard Group Vanguard Institutional Target Retirement 2045 Inv Fund |
| Vanguard Group Vanguard Institutional Target Retirement 2050 Inv Fund |
| Vanguard Group Vanguard Institutional Target Retirement 2055 Inv Fund |
| Vanguard Group Vanguard Institutional Target Retirement 2060 Inv Fund |
| Vanguard Group Vanguard Institutional Target Retirement 2065 Inv Fund |
| Vanguard Group Vanguard Institutional Target Retirement 2070 Inv Fund |
| Victory Capital Management Victory Small Co Opp R6 Fund |
| Principal Funds Inc. LargeCap Growth I R6 Fund |
| TIAA-CREF Nuveen Equity Index R6 Fund |
| TIAA-CREF Nuveen Lg Cp Res Eq R6 |
| Vanguard Group Vanguard 500 Index Admiral Fund |
| Fidelity Management & Research Fidelity Small Cap Growth Fund |
| Voya Investment Management Voya Mid Cap OPPS I Fund |
| Massachusetts Financial Service Co Massachusetts Financial Mid Cap Value |
| Vanguard Group Vanguard Mid Cap Index Adm Fund |
| Vanguard Group Vanguard Small Cap Index Adm Fund |
| The American Funds Am Fds EuroPacific Grth R6 Fd |
| MFS Investment Management MFS Intrinsic Value R6 Fund |
| John Hancock Advisors, LLC John Hancock Disc Value R6 Fund |
| TIAA-CREF CREF Stock Account |
| TIAA-CREF CREF Social Choice Account |
| TIAA-CREF CREF Bond Market Account |
| TIAA-CREF CREF Global Equities Account |
| TIAA-CREF CREF Growth Account |
| TIAA-CREF CREF Equity Index Account |
| TIAA-CREF CREF Inflation-Linked Bond Account |
Investment model portfolios
We provide two types of investment model portfolios for DES MOINES UNIVERSITY DEFINED CONTRIBUTION 403(B) PLAN participants. You can customize and follow a model portfolio in your plan account.
Types of portfolio strategies
- Strategic asset allocation portfolio: It invests in a diversified portfolio of multiple assets, buy-and-hold without frequently changing the asset allocation weights.
- Suitable: For long-term (more than 15 years, preferably more than 20 years), want to be tax efficient and can withstand interim drawdown or loss as high as 50% or more.
- Pros:
- Less error-prone
- Infrequent rebalancing or transactions
- Tax efficient for taxable brokerage investments
- Cons:
- Interim loss or drawdown can be substantial
- Possible low returns for an extended period, such as 10 years or longer
- Tactical asset allocation portfolio: it invests in a diversified portfolio of multiple assets, dynamically adjust stock and bond allocations to minimize losses during market stress.
- Suitable: For long-term (more than 10 years or preferably longer) capital. Investors are willing to rebalance as frequent as monthly.
- Pros:
- Reduce large interim loss or drawdown
- Less sensitive to investment entry point
- Likely to improve returns
- Cons
- Demand more frequent rebalancing or transactions
- Less tax efficient — more suitable in a tax-deferred account such as 401(k) or IRA
- Can experience a period of lower returns compared to a broad-based strategic allocation or a buy-and-hold benchmark, especially in some bull markets
These portfolios are proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation.
Let us know (Email us) if you need help to create a custom model portfolio for your plan.
Retirement Plan (401(k)) Info for DES MOINES UNIVERSITY DEFINED CONTRIBUTION 403(B) PLAN