Stanford University Tax-Deferred Annuity and Contributory Retirement Plan Core Funds
Investment Model Portfolios

Stanford University offers two tax deferred programs for employees: Tax-Deferred Annuity (TDA) and Stanford Contributory Retirement Plan (SCRP). For both plans, it offers 4 investment options. Option 1 includes Vanguard's 11 target retirement funds. This is the default option. Option 2 offers 4 Vanguard low-cost core funds. This core funds option is a simplistic design for a plan, similar to Federal Employee Thrifty Savings Plan (TSP). Option 3 consists of 3 TIAA-CREF fixed and variable annuities and Option 4 is called expanded option that allows employees to access a wide selection of funds through Fidelity BrokerageLink.

Plan investment options

Total Available Funds: 4
Asset Class Ticker Description Rating Expense
INTERNATIONAL EQUITY
Foreign Large Blend VFWSX Vanguard FTSE All-World ex-US 0.08%
Others
ROOT CASH Vanguard Prime Money Market NA
US EQUITY
MID-CAP BLEND VEXMX Vanguard Extended Market Index 0.06%
FIXED INCOME
Intermediate-Term Bond VBMFX Vanguard Total Bond Market Index 0.15%
Average Expense Ratio: 0.1%

The following is a moderate-risk model portfolio constructed from the investment options of Stanford University Tax-Deferred Annuity and Contributory Retirement Plan Core Funds.

This portfolio is proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation. We offer customization features, allowing subscribers to tailor the portfolio to align with their own risk tolerance and return expectations by changing risk profile parameter.

Our model portfolio is rooted in the MyPlanIQ Asset Allocation Composite (AAC) strategy. This dynamic (tactical) asset allocation and quantitative fund selection algorithm prioritize risk management by dynamically adjusting stock allocations based on prevailing asset momentum. Extensive research has shown that this momentum-based tactical approach can potentially reduce temporary losses while maintaining or outperforming traditional buy-and-hold strategies.

Both historical back test and real-time portfolio return and risk data are shown in the table on this page. These metrics are compared with stock and moderate allocation index funds.

Furthermore, subscribers have the option to explore alternative strategies such as Strategic Asset Allocation Optimal (SAA) and Tactical Asset Allocation (TAA) to further customize their model portfolio. See our investment methodology for more details on the investment strategies


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Puzzled on what to invest?

  • We ask a few questions to decide your personal return and risk expectations
  • We build a custom portfolio for your plan (401(k), 403(b), 529 ...) or for a  brokerage account
  • We monitor and send timely rebalance emails on what investment funds to buy and sell
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