Investment options of KEYSTONE COLLEGE 403(B) RETIREMENT PLAN
Total Available Funds: 50
| Investment Description |
|---|
| the accompanying Statements of Net Assets Available for Benefits as of December |
| CREF CREF Stock Account N/R |
| CREF CREF Global Equities Account N/R |
| CREF CREF Growth Account N/R |
| CREF CREF Equity Index Account N/R |
| CREF CREF Social Choice Account N/R |
| CREF CREF Inflation-Linked Bond Account N/R |
| TIAA Access International Equity N/R |
| TIAA Access Large-Cap Value N/R |
| TIAA Access Small-Cap Blend Index N/R |
| TIAA Access Mid-Cap Value N/R |
| TIAA Access Quant Small-Cap Equity N/R |
| TIAA Access Lifecycle 2040 Retirement Fund N/R |
| TIAA Access Bond Plus N/R |
| TIAA Access Large-Cap Growth N/R |
| TIAA Access Lifecycle 2045 Retirement Fund N/R |
| TIAA Access Social Choice Equity N/R |
| TIAA Access Lifecycle 2050 Retirement Fund N/R |
| TIAA Access Equity Index N/R |
| TIAA Access Mid-Cap Growth N/R |
| TIAA Access Growth & Income N/R |
| TIAA Access Lifecycle 2035 Retirement Fund N/R |
| TIAA Access Lifecycle 2025 Retirement Fund N/R |
| TIAA Access Lifecycle 2020 Retirement Fund N/R |
| TIAA Access Lifecycle 2015 Retirement Fund N/R |
| TIAA Access Lifecycle 2030 Retirement Fund N/R |
| Vanguard Target Retirement 2025 N/R |
| Vanguard Target Retirement 2035 N/R |
| Vanguard Target Retirement 2015 N/R |
| Vanguard Target Retirement 2030 N/R |
| Vanguard 500 Index Admiral N/R |
| Vanguard Target Retirement 2020 N/R |
| Vanguard Target Retirement 2045 N/R |
| MFS Investment Management MFS International Value N/R |
| Vanguard Target Retirement 2040 N/R |
| Vanguard Target Retirement 2050 N/R |
| Vanguard Target Retirement Income N/R |
| TIAA TIAA-CREF Large-Cap Growth Institutional N/R |
| Vanguard Target Retirement 2055 N/R |
| Vanguard Small-Cap Index Admiral N/R |
| American Funds American Beacon Small-Cap Value Institutional N/R |
| Victory Capital Victory RS Small-Cap Growth N/R |
| Mass Mutual Mass Mutual Premier Inflation-Protected and Income N/R |
| John Hancock Disciplined Value N/R |
| Columbia Threadneedle Investments Columbia Mid-Cap Value Institutional N/R |
| Vanguard Mid-Cap Index Admiral N/R |
| Mass Mutual Mass Mutual Select Mid-Cap Growth Equity Index N/R |
| Vanguard Target Retirement 2060 N/R |
| Calvert Calvert Balanced Portfolio N/R |
| ERISA Plan # |
Investment model portfolios
We provide two types of investment model portfolios for KEYSTONE COLLEGE 403(B) 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 KEYSTONE COLLEGE 403(B) RETIREMENT PLAN