Investment options of HERITAGE HALL 403(B) DC AND TDA PLAN
Total Available Funds: 51
| Investment Description |
|---|
| TIAA Traditional Non-Benefit Responsive |
| CREF CREF Stock R1 |
| CREF CREF Social Choice R1 |
| CREF CREF Core Bond R1 |
| CREF CREF Global Equities R1 |
| CREF CREF Growth R1 |
| CREF CREF Equity Index R1 |
| CREF CREF Inflation-Linked Bond R1 |
| TIAA Access Nuv Core Pl Bd T4 (1) |
| TIAA Access Nuv Core Bond T4 |
| TIAA Access Nuv Equity Idx T4 |
| TIAA Access Nuv Core Equity T4 (1) |
| TIAA Access Nuv Infl Lnk Bd T4 (1) |
| TIAA Access Nuv Intl Equity T4 |
| TIAA Access Nuv LfCy Rt Inc T4 |
| TIAA Access Nuv Lrg Cap Val T4 |
| TIAA Access Nuv LifCyc 2015 T4 |
| TIAA Access Nuv LifCyc 2025 T4 |
| TIAA Access Nuv LifCyc 2030 T4 |
| TIAA Access Nuv LifCyc 2035 T4 |
| TIAA Access Nuv LifCyc 2040 T4 |
| TIAA Access Nuv LifCyc 2045 T4 |
| TIAA Access Nuv LifCyc 2050 T4 |
| TIAA Access Nuv Mid Cap Grw T4 (1) |
| TIAA Access Nuv Mid Cap Val T4 |
| TIAA Access Nuv Money Mkt T4 |
| TIAA Access Nuv Rlestsecsel T4 |
| TIAA Access Nuv Sm Cp Bl Ix T4 (1) |
| TIAA Access Nuv Qt Sm Cp Eq T4 |
| TIAA Access Nuv Lgcp Res Eq T4 |
| TIAA Access Nuv LifCyc 2055 T4 (1) |
| TIAA Access Nuv LifCyc 2060 T4 (1) |
| TIAA-CREF Nuveen Internatl Eq Idx R6 |
| DFA LTIP Port Institutional |
| Schwab Schwab S&P |
| State Street Aggrgte Bnd Idx K |
| State Street Sm Md Cp Eq Idx K |
| State Street Equity 500 Indx K |
| Vanguard Federal Money Mkt Inv (1) |
| Vanguard Small-Cap Idx Adm (1) |
| Vanguard FTSE Social Index Adm |
| Vanguard Ttl Intl Bnd Idx Adm |
| Vanguard Growth Index Adm |
| Vanguard Value Index Adm (1) |
| Vanguard Small-Cap Grw Idx Adm |
| Vanguard Small-Cap Val Idx Adm |
| Vanguard Ttl Intl Stk Idx Adm |
| Vanguard Emr Mkts Stk Idx Adm |
| Vanguard Short-Trm Bd Idx Adm |
| TIAA Traditional Benefit Responsive |
| 8.75% – 9.50%, to be repaid through 2029 – |
Investment model portfolios
We provide two types of investment model portfolios for HERITAGE HALL 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 HERITAGE HALL 403(B) DC AND TDA PLAN