WILLIAMS COLLEGE RETIREMENT INCOME PLAN
Investment Model Portfolios
Investment options of WILLIAMS COLLEGE RETIREMENT INCOME PLAN
Total Available Funds: 23
| Asset Class |
Ticker
| Description |
| REAL ESTATE |
|
|
| REAL ESTATE |
TRRSX |
tiaa real estate account |
|
| US EQUITY |
|
|
| LARGE BLEND |
TIEIX |
cref stock account |
| LARGE GROWTH |
TILRX |
cref growth account |
| LARGE BLEND |
TIQRX |
cref equity index account |
| LARGE VALUE |
TRLCX |
tiaa-cref large cap value fund |
| SMALL BLEND |
TRSEX |
tiaa-cref small cap equity fund |
| Mid-Cap Growth |
TRGMX |
TIAA-CREF Mid-Cap Growth Retire |
| MID-CAP VALUE |
TRVRX |
TIAA-CREF Mid-Cap Value Retire |
|
| Others |
|
|
| ROOT |
CASH |
cref money market account |
| Moderate Allocation |
TITRX |
cref social choice account |
| Target Date 2000-2010 |
TCLEX |
tiaa-cref lifecycle 2010 fund |
| Target Date 2011-2015 |
TCLIX |
tiaa-cref lifecycle 2015 fund |
| Target Date 2016-2020 |
TCLTX |
tiaa-cref lifecycle 2020 fund |
| Target Date 2021-2025 |
TCLFX |
tiaa-cref lifecycle 2025 fund |
| Target Date 2026-2030 |
TCLNX |
tiaa-cref lifecycle 2030 fund |
| Target Date 2031-2035 |
TCLRX |
tiaa-cref lifecycle 2035 fund |
| Target Date 2000-2010 |
TCLEX |
tiaa-cref lifecycle 2040 fund |
| Target Date 2041-2045 |
TTFRX |
tiaa-cref lifecycle 2045 fund |
| Target Date 2050+ |
TLFRX |
tiaa-cref lifecycle 2050 fund |
|
| FIXED INCOME |
|
|
| Intermediate-Term Bond |
TIBDX |
cref bond market account |
| Inflation-Protected Bond |
TIILX |
cref inflation-liked bond account |
|
| INTERNATIONAL EQUITY |
|
|
| Foreign Large Blend |
TFIIX |
cref global equities account |
| Foreign Large Blend |
TRERX |
tiaa-cref international equity fund |
|
Investment model portfolios
We provide two types of investment model portfolios for WILLIAMS COLLEGE RETIREMENT INCOME 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.
Example model portfolios
The following provides historical returns for example model portfolios with a moderate risk profile (at most 60% in stocks) and their comparison with benchmark index funds. You can customize these portfolios according to your own risk profile.
Strategic Asset Allocation Model Portfolio
The following portfolio is based on the MyPlanIQ Strategic Asset Allocation (SAA) strategy.
Tactical Asset Allocation Model Portfolio
The following portfolio is based on the MyPlanIQ Tactical Asset Allocation (TAA) strategy.
|
Ticker/Portfolio |
Last 1 Week |
1 Yr |
3 Yr |
5 Yr |
10 Yr |
15 Yr |
20 Yr |
Inception |
YTD |
2024 |
2023 |
2022 |
2021 |
2020 |
2019 |
2018 |
2017 |
2016 |
2015 |
2014 |
2013 |
2012 |
2011 |
2010 |
2009 |
2008 |
2007 |
2006 |
2005 |
2004 |
2003 |
2002 |
2001 |
2000 |
1999 |
1998 |
1997 |
1996 |
1995 |
1994 |
1993 |
1992 |
1991 |
1990 |
1989 |
1988 |
1987 |
1986 |
1985 |
1984 |
1983 |
1982 |
1981 |
1980 |
1979 |
|
Annualized Return (%)
|
WILLIAMS COLL... Moderate
|
1.15 |
10.79 |
5.74 |
6.86 |
7.07 |
7.00 |
NA |
6.65 |
NA |
NA |
NA |
NA |
3.67 |
12.36 |
15.73 |
-2.91 |
10.38 |
3.64 |
-1.39 |
5.21 |
13.89 |
10.16 |
6.30 |
12.90 |
9.15 |
-6.51 |
8.51 |
16.35 |
-1.40 |
5.85 |
11.93 |
3.65 |
0.12 |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
|
VFINX (VANGUA...R SHARES)
|
1.26 |
18.81 |
13.17 |
13.92 |
14.07 |
9.51 |
7.18 |
7.71 |
NA |
24.84 |
26.12 |
-18.24 |
28.53 |
18.74 |
31.33 |
-4.55 |
21.66 |
11.83 |
1.23 |
13.52 |
32.17 |
15.82 |
1.96 |
14.91 |
26.52 |
-37.02 |
5.39 |
15.64 |
4.77 |
10.74 |
28.50 |
-22.17 |
-12.03 |
-9.05 |
21.08 |
28.62 |
33.18 |
22.87 |
37.45 |
1.18 |
10.15 |
8.24 |
32.05 |
-3.33 |
28.37 |
14.92 |
3.97 |
9.30 |
22.60 |
3.67 |
17.07 |
19.25 |
-8.55 |
27.89 |
-2.07 |
|
VSMGX (VANGUA...R SHARES)
|
0.51 |
12.87 |
7.50 |
8.01 |
7.51 |
6.12 |
5.82 |
5.99 |
NA |
10.28 |
15.51 |
-16.01 |
10.08 |
13.59 |
19.30 |
-6.28 |
14.86 |
7.09 |
-2.21 |
6.38 |
14.73 |
9.78 |
0.12 |
13.14 |
20.35 |
-26.49 |
7.21 |
13.30 |
5.68 |
11.76 |
22.40 |
-10.34 |
-4.78 |
1.27 |
14.09 |
21.59 |
17.90 |
10.77 |
26.58 |
2.04 |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
|
Sharpe Ratio
|
WILLIAMS COLL... Moderate
|
NA |
1.52 |
1.14 |
1.15 |
0.99 |
NA |
NA |
0.77 |
NA |
NA |
NA |
NA |
0.41 |
1.25 |
2.60 |
-0.57 |
1.63 |
0.66 |
-0.22 |
0.87 |
1.92 |
1.71 |
0.67 |
0.96 |
1.07 |
-1.75 |
0.52 |
1.74 |
-0.53 |
0.62 |
1.59 |
0.87 |
-1.23 |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
|
VFINX (VANGUA...R SHARES)
|
NA |
0.60 |
0.95 |
0.80 |
0.65 |
NA |
NA |
0.45 |
0.51 |
1.67 |
1.73 |
-0.82 |
2.17 |
0.53 |
2.39 |
-0.35 |
3.16 |
0.89 |
0.08 |
1.19 |
2.90 |
1.25 |
0.08 |
0.82 |
0.97 |
-0.92 |
0.14 |
1.22 |
0.24 |
0.88 |
1.63 |
-0.90 |
-0.68 |
-0.60 |
0.97 |
1.23 |
1.61 |
1.62 |
4.31 |
-0.19 |
0.90 |
0.57 |
1.91 |
-0.55 |
1.71 |
0.59 |
-0.01 |
0.30 |
1.47 |
-0.26 |
0.79 |
0.63 |
-1.30 |
1.17 |
-3.84 |
|
VSMGX (VANGUA...R SHARES)
|
NA |
0.62 |
0.74 |
0.50 |
0.48 |
NA |
NA |
0.51 |
0.88 |
0.87 |
1.45 |
-1.22 |
1.32 |
0.70 |
2.77 |
-0.87 |
3.75 |
0.83 |
-0.26 |
1.01 |
2.16 |
1.23 |
0.01 |
1.18 |
1.12 |
-0.98 |
0.39 |
1.34 |
0.49 |
1.49 |
2.09 |
-0.75 |
-0.59 |
-0.24 |
1.06 |
1.56 |
1.56 |
0.91 |
4.18 |
4.60 |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
|
Standard Deviation(%)
|
WILLIAMS COLL... Moderate
|
NA |
9.91 |
7.60 |
7.03 |
7.04 |
NA |
NA |
7.42 |
NA |
NA |
NA |
NA |
8.85 |
9.67 |
5.50 |
7.47 |
5.98 |
5.18 |
6.44 |
5.97 |
7.21 |
5.92 |
9.29 |
13.41 |
8.43 |
4.25 |
10.58 |
7.52 |
6.71 |
7.95 |
7.05 |
2.93 |
1.79 |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
|
VFINX (VANGUA...R SHARES)
|
NA |
19.74 |
17.13 |
17.38 |
18.46 |
NA |
NA |
18.09 |
23.24 |
12.67 |
13.09 |
24.19 |
13.11 |
34.69 |
12.48 |
17.11 |
6.68 |
13.11 |
15.51 |
11.39 |
11.07 |
12.74 |
23.36 |
18.07 |
27.22 |
40.99 |
16.02 |
10.04 |
10.29 |
11.10 |
17.04 |
25.96 |
21.55 |
22.20 |
18.17 |
20.48 |
18.21 |
11.77 |
7.77 |
9.92 |
8.83 |
9.93 |
14.69 |
16.06 |
13.09 |
17.07 |
33.80 |
16.55 |
11.67 |
12.80 |
13.62 |
18.09 |
14.61 |
16.53 |
23.80 |
|
VSMGX (VANGUA...R SHARES)
|
NA |
10.45 |
10.08 |
10.06 |
10.41 |
NA |
NA |
11.48 |
11.95 |
7.69 |
8.26 |
14.34 |
7.62 |
19.08 |
6.43 |
8.81 |
3.80 |
8.31 |
8.51 |
6.28 |
6.80 |
7.99 |
14.68 |
11.10 |
18.01 |
27.95 |
10.37 |
7.43 |
6.96 |
7.25 |
10.38 |
15.37 |
12.42 |
12.30 |
10.07 |
11.65 |
9.10 |
7.74 |
5.41 |
15.57 |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
|
Draw Down(%)
|
WILLIAMS COLL... Moderate
|
NA |
12.92 |
12.92 |
12.92 |
12.92 |
NA |
NA |
12.92 |
NA |
NA |
NA |
NA |
2.27 |
12.92 |
2.61 |
9.37 |
4.01 |
3.45 |
6.22 |
4.84 |
5.93 |
3.78 |
7.38 |
9.50 |
4.49 |
9.77 |
7.96 |
7.01 |
4.94 |
8.62 |
4.64 |
1.69 |
2.56 |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
|
VFINX (VANGUA...R SHARES)
|
NA |
18.76 |
18.76 |
24.59 |
33.83 |
NA |
NA |
55.25 |
18.76 |
8.45 |
9.97 |
24.59 |
5.14 |
33.83 |
6.63 |
19.40 |
2.60 |
10.29 |
12.05 |
7.30 |
5.59 |
9.60 |
18.71 |
15.66 |
27.17 |
47.73 |
9.88 |
7.47 |
7.01 |
7.47 |
13.79 |
33.02 |
29.18 |
16.55 |
11.81 |
19.20 |
10.79 |
7.45 |
2.50 |
8.48 |
4.84 |
5.63 |
5.57 |
19.19 |
7.35 |
7.24 |
33.08 |
11.63 |
7.51 |
10.58 |
7.02 |
13.21 |
15.61 |
16.03 |
2.40 |
|
VSMGX (VANGUA...R SHARES)
|
NA |
9.62 |
12.88 |
22.29 |
22.43 |
NA |
NA |
41.18 |
9.62 |
4.17 |
8.15 |
21.74 |
3.53 |
22.43 |
3.12 |
11.47 |
1.14 |
6.20 |
8.34 |
4.70 |
5.67 |
6.27 |
12.90 |
8.64 |
19.61 |
36.81 |
6.11 |
6.13 |
4.74 |
5.89 |
8.91 |
20.06 |
17.93 |
8.77 |
6.26 |
11.99 |
6.02 |
4.75 |
1.82 |
1.89 |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
|
Yield(%)
|
WILLIAMS COLL... Moderate
|
NA |
11.12 |
5.60 |
3.94 |
3.99 |
NA |
NA |
3.02 |
NA |
NA |
NA |
NA |
0.06 |
11.25 |
3.69 |
2.04 |
0.12 |
2.96 |
3.73 |
3.73 |
5.35 |
3.94 |
3.56 |
1.50 |
0.23 |
0.51 |
5.15 |
6.75 |
2.94 |
0.24 |
0.05 |
0.38 |
2.25 |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
|
VFINX (VANGUA...R SHARES)
|
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
|
VSMGX (VANGUA...R SHARES)
|
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
Data as of 11/30/2020, AR inception is 12/31/2000
