Investment options of VILLAGE COMMUNITY SCHOOL 403(B) DEFINED CONTRIBUTION PLAN
Total Available Funds: 40
| Investment Description |
|---|
| TIAA Traditional (contract value) |
| CREF CREF Stock |
| CREF CREF Social Choice |
| CREF CREF Global Equities |
| CREF CREF Growth |
| CREF CREF Equity Index |
| CREF CREF Inflation-Linked Bond |
| TIAA-CREF CREF Core Bond R1 |
| TIAA-CREF CREF Core Bond R4 |
| TIAA-CREF CREF Global Equities R4 |
| TIAA-CREF CREF Inflation-Linked Bond R4 |
| TIAA-CREF CREF Social Choice R4 |
| TIAA-CREF CREF Stock R4 |
| TIAA-CREF TIAA-CREF Bond Index-Inst |
| TIAA-CREF TIAA-CREF Lfcyle Idx 2010-Inst |
| TIAA-CREF TIAA-CREF Lfcyle Idx 2015-Inst |
| TIAA-CREF TIAA-CREF Lfcyle Idx 2020-Inst |
| TIAA-CREF TIAA-CREF Lfcyle Idx 2025-Inst |
| TIAA-CREF TIAA-CREF Lfcyle Idx 2030-Inst |
| TIAA-CREF TIAA-CREF Lfcyle Idx 2035-Inst |
| TIAA-CREF TIAA-CREF Lfcyle Idx 2040-Inst |
| TIAA-CREF TIAA-CREF Lfcyle Idx 2045-Inst |
| TIAA-CREF TIAA-CREF Lfcyle Idx 2050-Inst |
| TIAA-CREF TIAA-CREF Lfcyle Idx 2055-Inst |
| TIAA-CREF TIAA-CREF Lfcyle Idx 2060-Inst |
| TIAA-CREF TIAA-CREF Lfcyle Idx 2065-Inst |
| TIAA-CREF TIAA-CREF Lg-Cap Gr Idx-Inst |
| TIAA-CREF TIAA-CREF Lg-Cap Val Idx-Inst |
| TIAA-CREF TIAA-CREF S&P 500 Idx-Inst |
| TIAA-CREF TIAA-CREF Sm-Cap Bl Idx-Inst |
| Vanguard Mid-Cap Idx Adm |
| Vanguard Mid-Cap Grw Idx Adm |
| Vanguard Mid-Cap Value Idx Adm |
| American American EuroPac Growth R6 |
| PGIM PGIM High Yield R6 |
| DFA Inflation ProtSecPortInst |
| DFA US Sml Cap Grw Port Instl |
| Principal Sm Cap Value II Inst |
| Metropolitan Metropolitan West Tot Ret Bnd I |
| T Rowe T Rowe Price Value Fund I |
Investment model portfolios
We provide two types of investment model portfolios for VILLAGE COMMUNITY SCHOOL 403(B) DEFINED CONTRIBUTION 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 VILLAGE COMMUNITY SCHOOL 403(B) DEFINED CONTRIBUTION PLAN