University of Texas System Retirement Programs Fidelity
Investment Model Portfolios

University of Texas (UT) System Retirement Programs Fidelity Investments offers the same investment choices to Optional Retirement Program (ORP), UTSaver Tax-Sheltered Annuity (TSA) and UTSaver Deferred Compensation Plan (DCP).

The default 3 month minimum holding period to avoid redemption for each fund (other than money market) is used. 

Plan investment options

Total Available Funds: 30
Asset Class Ticker Description Rating Expense
REAL ESTATE
REAL ESTATE CSRSX Cohen & Steers Realty Shares 0.88%
Emerging Market
DIVERSIFIED EMERGING MKTS DFEMX DFA Emerging Markets I 0.61%
INTERNATIONAL EQUITY
Foreign Large Blend OAKIX Oakmark International I 0.75%
Foreign Large Blend FIDKX Fidelity International Discovery K 0.99%
Foreign Large Blend FSPSX Fidelity Spartan Intl Idx Advtg Instl 0.03%
FOREIGN SMALL/MID GROWTH CAIRX Columbia Acorn International R5 1.23%
Foreign Large Growth IGFRX Invesco International Growth R6 1.6%
Others
Moderate Allocation OAKBX Oakmark Equity & Income I 0.83%
ROOT CASH FDRXX (FiD GOv Cash Reserve) NA
FIXED INCOME
Intermediate-Term Bond PTTRX PIMCO Total Return Instl 0.83%
Intermediate-Term Bond VBTIX Vanguard Total Bond Market Index Inst 0.15%
Inflation-Protected Bond AIANX American Century Infl-Adj Bond Instl 0.76%
High Yield Bond SPHIX Fidelity High Income 1.16%
Intermediate Government FGOVX Fidelity Government Income 0.76%
WORLD BOND FBNRX Templeton Global Bond Fund Class R6 0.96%
US EQUITY
LARGE BLEND SMGIX Columbia Contrarian Core Z 0.72%
MID-CAP BLEND FSMAX Fidelity Spartan Extnd Mkt Idx AdvtgInst 0.03%
LARGE GROWTH FCNKX Fidelity Contrafund K 0.55%
LARGE GROWTH FFDKX Fidelity K 0.45%
SMALL VALUE HNVIX Heartland Value Plus Inst 1.01%
MID-CAP BLEND FLPKX Fidelity Low-Priced Stock K 0.82%
Small Growth HSRUX Eagle Small Cap Growth R6 0.71%
LARGE BLEND FXAIX Fidelity Spartan 500 Index Advtg Instl 0.02%
LARGE VALUE MEIKX MFS Value R5 0.8%
MID-CAP BLEND SMVZX Virtus Ceredex Mid-Cap Value Equity R6 1.28%
Small Growth RPMIX Royce Pennsylvania Mutual Instl 1.96%
LARGE BLEND PDGIX T. Rowe Price Dividend Growth I 0.9%
LARGE GROWTH MLRSX MainStay Large Cap Growth R6 1.33%
LARGE GROWTH MMCGX Morgan Stanley Inst Discovery IS 1.03%
LARGE VALUE REIPX T. Rowe Price Equity Income I 1.23%
Average Expense Ratio: 0.84%

The following is a moderate-risk model portfolio constructed from the investment options of University of Texas System Retirement Programs Fidelity.

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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