Investment options of ST. JOSEPH’S UNIVERSITY 403(B) PLAN
Total Available Funds: 41
| Investment Description |
|---|
| Pooled separate account CREF Stock R2 N/R |
| Pooled separate account CREF Growth R2 N/R |
| Pooled separate account CREF Global Equities R2 N/R |
| Pooled separate account CREF Social Choice R2 N/R |
| Pooled separate account CREF Equity Index R2 N/R |
| Pooled separate account CREF Bond Market R2 N/R |
| Pooled separate account CREF Inflation-Linked Bond R2 N/R |
| Registered investment company TIAA-CREF Lifecycle 2040 Premium N/R |
| Registered investment company TIAA-CREF Lifecycle 2045 Premium N/R |
| Registered investment company TIAA-CREF Large-Cap Value Premium N/R |
| Registered investment company TIAA-CREF Lifecycle 2025 Premium N/R |
| Registered investment company TIAA-CREF Lifecycle 2050 Premium N/R |
| Registered investment company TIAA-CREF Lifecycle 2015 Premium N/R |
| Registered investment company TIAA-CREF Lifecycle 2035 Premium N/R |
| Registered investment company TIAA-CREF Small-Cap Equity Premium N/R |
| Registered investment company TIAA-CREF Growth & Income Retirement N/R |
| Registered investment company TIAA-CREF Lifecycle 2030 Premium N/R |
| Registered investment company TIAA-CREF High-Yield Premium N/R |
| Registered investment company TIAA-CREF Emerging Markets Equity Retirement N/R |
| Registered investment company TIAA-CREF Lifecycle 2055 Premium N/R |
| Registered investment company TIAA-CREF International Equity Premium N/R |
| Registered investment company TIAA-CREF Mid-Cap Value Premium N/R |
| Registered investment company TIAA-CREF Lifecycle 2020 Premium N/R |
| Registered investment company TIAA-CREF Mid-Cap Growth Premium N/R |
| Registered investment company TIAA-CREF Lifecycle 2060 Premium N/R |
| Registered investment company TIAA-CREF Lifecycle 2065 Premium N/R |
| Registered investment company TIAA-CREF Lifecycle 2010 Premium N/R |
| Registered investment company TIAA-CREF Lifecycle Retirement Income Premium N/R |
| Registered investment company Voya T. Rowe Price Diversified Mid-Cap Gr Pt I N/R |
| Registered investment company Fidelity VIP Growth Portfolio I N/R |
| Registered investment company Voya Growth and Income Portfolio I N/R |
| Registered investment company Voya Index Plus Large-Cap Portfolio I N/R |
| Registered investment company T. Rowe Price Equity Index 500 N/R |
| Registered investment company Amana Growth Fund Institutional N/R |
| Registered investment company Amana Income Fund Institutional N/R |
| Registered investment company Western Asset Core Plus Bond I N/R |
| Registered investment company Goldman Sachs Short Duration Bond N/R |
| Registered investment company American Funds Inflation Linked Bond R5 N/R |
| Registered investment company Voya Global Insights Port Init N/R |
| Registered investment company TIAA Plan Loan Default Fund N/R |
| ERISA Plan # |
Investment model portfolios
We provide two types of investment model portfolios for ST. JOSEPH’S UNIVERSITY 403(B) 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 ST. JOSEPH'S UNIVERSITY 403(B) PLAN