Investment options of POIC 403B PLAN
Total Available Funds: 46
| Investment Description |
|---|
| Nuveen Lifecycle Idx 2055 Pooled Separate Accounts |
| Nuveen Lifecycle Idx 2010 Pooled Separate Accounts |
| Nuveen Lifecycle Idx 2015 Pooled Separate Accounts |
| Nuveen Lifecycle Idx 2020 Pooled Separate Accounts |
| Nuveen Lifecycle Idx 2025 Pooled Separate Accounts |
| Nuveen Lifecycle Idx 2030 Pooled Separate Accounts |
| Nuveen Lifecycle Idx 2035 Pooled Separate Accounts |
| Nuveen Lifecycle Idx 2040 Pooled Separate Accounts |
| Nuveen Lifecycle Idx 2045 Pooled Separate Accounts |
| Nuveen Lifecycle Idx 2050 Pooled Separate Accounts |
| Nuveen Lifecycle Idx 2060 Pooled Separate Accounts |
| Nuveen Lifecycle Idx 2065 Pooled Separate Accounts |
| Amerfds new Perspective R6 Pooled Separate Accounts |
| Amerfds New World R6 Pooled Separate Accounts |
| Pgim High-Yield R6 Pooled Separate Accounts |
| Vanguard Equity-Income Adm Pooled Separate Accounts |
| Nuveen Lifecycle Idx Inc Pooled Separate Accounts |
| Vanguard Balanced Index Adm Pooled Separate Accounts |
| Vanguard Mid Cap Index Adm Pooled Separate Accounts |
| Vanguard Smcap Value Idx Adm Pooled Separate Accounts |
| Vanguard Small Cap Index Adm Pooled Separate Accounts |
| Blackrock Mid-Cap Gro Equity K Pooled Separate Accounts |
| AB Small Cap Growth Z Pooled Separate Accounts |
| Dfa Infla-Prot Securities I Pooled Separate Accounts |
| Jpmorgan Large Cap Growth R6 Pooled Separate Accounts |
| Fidelity 500 Index Pooled Separate Accounts |
| MFS Intl Diversification R6 Pooled Separate Accounts |
| Vanguard Midcap Value Idx Adm Pooled Separate Accounts |
| Victory Core Plus Int Bond R6 Pooled Separate Accounts |
| Carried forward |
| Brought forward |
| CREF Stock Shares of |
| CREF Social Choice Shares of |
| CREF Global Equities Shares of Registered Investment Companies |
| CREF Growth Shares of Registered Investment Companies |
| CREF Equity Index Shares of Registered Investment Companies |
| CREF Inflation-Linked Bond Shares of |
| CREF Core Bond Shares of Registered Investment Companies |
| COLLEFE R*ETIREMENT EQUITIES FUND VARIABLE ANNUITIES TIAA TRADITIONAL NON BENEFIT RESPONSIVE |
| COLLEFE RETIREMENT EQUITIES FUND VARIABLE ANNUITIES TIAA TRADITIONAL BENEFIT RESPONSIVE |
| COLLEFE R*ETIREMENT EQUITIES FUND VARIABLE ANNUITIES CREF STOCK R1 |
| COLLEFE R*ETIREMENT EQUITIES FUND VARIABLE ANNUITIES CREF SOCIAL CHOICE R1 |
| COLLEFE R*ETIREMENT EQUITIES FUND VARIABLE ANNUITIES CREF GLOBAL EQUITIES R1 |
| COLLEFE R*ETIREMENT EQUITIES FUND VARIABLE ANNUITIES CREF GROWTH R1 |
| COLLEFE R*ETIREMENT EQUITIES FUND VARIABLE ANNUITIES CREF EQUITY INDEX R1 |
| COLLEFE R*ETIREMENT EQUITIES FUND VARIABLE ANNUITIES CREF INFLATION-LINKED BOND R1 |
Investment model portfolios
We provide two types of investment model portfolios for POIC 403B 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 POIC 403B PLAN