Investment options of GROTON SCHOOL 403(B) DEFINED CONTRIBUTION RETIREMENT PLAN
Total Available Funds: 31
| Investment Description |
|---|
| TIAA Traditional Non Benefit Responsive Account 2 " |
| CREF Social Choice " |
| CREF Global Equities " |
| CREF Growth " |
| CREF Equity Index " |
| CREF Inflation-Linked Bond " |
| CREF Core Bond " |
| Nuveen Large Cap Value Index Fund " |
| Nuveen Large Cap Responsible Equity Fund " |
| American EuroPacific Growth Fund " |
| BlackRock High Yield Bond Fund " |
| ClearBridge Mid Cap Fund " |
| American Funds 2010 Target Retirement Fund " |
| American Funds 2015 Target Retirement Fund " |
| American Funds 2020 Target Retirement Fund " |
| American Funds 2025 Target Retirement Fund " |
| American Funds 2030 Target Retirement Fund " |
| American Funds 2035 Target Retirement Fund " |
| American Funds 2040 Target Retirement Fund " |
| American Funds 2045 Target Retirement Fund " |
| American Funds 2050 Target Retirement Fund " |
| American Funds 2055 Target Retirement Fund " |
| American Funds 2060 Target Retirement Fund " |
| American Funds 2065 Target Retirement Fund " |
| MFS Value Fund " |
| Vanguard 500 Index Fund " |
| Diamond Hill Small-Mid Cap Fund " |
| Vanguard Extended Market Index Fund " |
| JPMorgan Large Cap Growth Fund " |
| Conestoga Smid Cap Fund " |
| TIAA Traditional Benefit Responsive 2 " |
Investment model portfolios
We provide two types of investment model portfolios for GROTON SCHOOL 403(B) DEFINED CONTRIBUTION RETIREMENT 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 GROTON SCHOOL 403(B) DEFINED CONTRIBUTION RETIREMENT PLAN