Investment options of THE NEW FOUNDATIONS RETIREMENT PLAN
Total Available Funds: 42
| Investment Description |
|---|
| VALIC Science & Technology Fund Separate Account |
| VALIC Stock Index Fund Separate Account |
| VALIC Vanguard Windsor II Separate Account |
| VALIC Mid Cap Index Fund Separate Account |
| Principal Fixed Income Guaranteed Option Guaranteed Interest Account |
| VALIC Systematic Value Fund Separate Account |
| VALIC Growth Fund Separate Account |
| VALIC Mid Cap Strategic Growth Separate Account |
| TIAA CREF Growth Separate Account |
| VALIC Vanguard Wellington Fund Separate Account |
| VALIC Moderate Growth Lifestyle Separate Account |
| VALIC Aggressive Growth Lifestyle Separate Account |
| CREF Equity Index Separate Account |
| VALIC International Growth Fund Separate Account |
| VALIC Small Cap Index Fund Separate Account |
| (Continued) |
| VALIC International Socially Responsible Fund Separate Account |
| TIAA CREF Stock Separate Account |
| VALIC US Socially Responsible Fund Separate Account |
| VALIC Ariel Appreciation Fund Separate Account |
| VALIC Mid Cap Value Fund Separate Account |
| VALIC Dividend Value Separate Account |
| VALIC Asset Allocation Fund Separate Account |
| VALIC Ariel Fund Separate Account |
| VALIC Systematic Growth Fund Separate Account |
| VALIC International Equities Index Fund Separate Account |
| VALIC Systematic Core Fund Separate Account |
| VALIC Large Capital Growth Separate Account |
| VALIC Small CAP Growth Fund Separate Account |
| VALIC Emerging Economies Separate Account |
| VALIC Small Cap Special Value Fund Separate Account |
| VALIC Core Bond Fund Separate Account |
| VALIC High Yield Bond Fund Separate Account |
| VALIC Small Cap Value Fund Separate Account |
| VALIC Conservative Growth Lifestyle Separate Account |
| VALIC International Opportunities Separate Account |
| VALIC Capital Appreciation Separate Account |
| VALIC Invesco Balanced Risk Commodity Str R5 Separate Account |
| VALIC Inflation Protected Fund Separate Account |
| VALIC Global Strategy Separate Account |
| VALIC International Value Fund Separate Account |
| VALIC International Government Bond Separate Account |
Investment model portfolios
We provide two types of investment model portfolios for THE NEW FOUNDATIONS 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 THE NEW FOUNDATIONS RETIREMENT PLAN