Investment options of UMS-WRIGHT PREPARATORY SCHOOL 403(B) PLAN
Total Available Funds: 28
| Investment Description |
|---|
| TIAA Traditional Non Benefit-Responsive # |
| CREF CREF Stock R1 # |
| CREF CREF Social Choice 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 T3 # |
| TIAA Access Nuv Equity Idx T3 # |
| TIAA Access Nuv Core Equity T3 # |
| TIAA Access Nuv Intl Equity T3 # |
| TIAA Access Nuv LfCy Rt Inc T3 # |
| TIAA Access Nuv Lrg Cap Gr T3 # |
| TIAA Access Nuv Lrg Cap Val T3 # |
| TIAA Access Nuv LifCyc 2010 T3 # |
| TIAA Access Nuv LifCyc 2025 T3 # |
| TIAA Access Nuv LifCyc 2030 T3 # |
| TIAA Access Nuv LifCyc 2035 T3 # |
| TIAA Access Nuv LifCyc 2040 T3 # |
| TIAA Access Nuv LifCyc 2045 T3 # |
| TIAA Access Nuv LifCyc 2050 T3 # |
| TIAA Access Nuv Mid Cap Grw T3 # |
| TIAA Access Nuv Mid Cap Val T3 # |
| TIAA Access Nuv RlEstSecSel T3 # |
| TIAA Access Nuv Sm Cp Bl Ix T3 # |
| TIAA Access Nuv Qt Sm Cp Eq T3 # |
| TIAA Access Nuv LgCp Res Eq T3 # |
| CREF CREF Core Bond R1 # |
Investment model portfolios
We provide two types of investment model portfolios for UMS-WRIGHT PREPARATORY SCHOOL 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 UMS-WRIGHT PREPARATORY SCHOOL 403(B) PLAN