Investment options of HACKLEY SCHOOL 403(B) DC AND TDA PLAN
Total Available Funds: 34
| Investment Description |
|---|
| TIAA Traditional (contract value) |
| CREF CREF Stock |
| CREF CREF Core Bond |
| CREF CREF Social Choice |
| CREF CREF Global Equities |
| CREF CREF Growth |
| CREF CREF Equity Index |
| CREF CREF Inflation-Linked Bond |
| Vanguard 500 Index |
| Vanguard Small-Cap Index |
| Vanguard Mid-Cap Index |
| American Funds 2010 |
| American Funds 2015 |
| American Funds 2020 |
| American Funds 2025 |
| American Funds 2030 |
| American Funds 2035 |
| American Funds 2040 |
| American Funds 2045 |
| American Funds 2050 |
| American Funds 2055 |
| American Funds 2060 |
| MFS Value Fund Class |
| MFS International Growth CI |
| Parnassus Parnassus Core Equity |
| Victory Capital Victory Sycamore Established Value |
| T. Rowe Price International US Small Cap |
| Vanguard Developed Markets Index Adm |
| American Funds New World |
| Allspring Allspring Core Plus Bond |
| PIMCO Income Fund Institutional |
| JPMorgan Large Cap Growth |
| CREF Stock R2 Registered Investment Company NR |
| American Fds 2010 Tar Ret R6 Registered Investment Company NR |
Investment model portfolios
We provide two types of investment model portfolios for HACKLEY SCHOOL 403(B) DC AND TDA 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 HACKLEY SCHOOL 403(B) DC AND TDA PLAN