Investment options of ADELPHI UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN
Total Available Funds: 70
| Investment Description |
|---|
| TIAA Traditional Nonbenefit Responsive |
| TIAA Traditional Benefit Responsive 2 |
| TIAA Plan Loan Default Fund |
| CREF Stock |
| CREF Global equities |
| CREF Growth |
| CREF Social choice |
| CREF Equity index |
| CREF Inflation-linked bond |
| TIAA CREF Core Bond R2 |
| TIAA TIAA-CREF Lfcyle Rtmt Inc-Inst |
| TIAA TIAA-CREF Lifecycle 2010-Inst |
| TIAA TIAA-CREF Lifecycle 2015-Inst |
| TIAA TIAA-CREF Lifecycle 2020-Inst |
| TIAA TIAA-CREF Lifecycle 2025-Inst |
| TIAA TIAA-CREF Lifecycle 2030-Inst |
| TIAA TIAA-CREF Lifecycle 2035-Inst |
| TIAA TIAA-CREF Lifecycle 2040-Inst |
| TIAA TIAA-CREF Lifecycle 2045-Inst |
| TIAA TIAA-CREF Lifecycle 2050-Inst |
| TIAA TIAA-CREF Lifecycle 2055-Inst |
| TIAA American EuroPac Growth R6 |
| TIAA Vanguard Extended Mkt Idx Inst |
| TIAA Vanguard Federal Money Mkt Inv |
| TIAA Nuveen Lifecycle 2060 R6 |
| TIAA Columbia Sml Cap Value I Inst3 |
| TIAA T Rowe Price Capital Apprec I |
| TIAA John Hancock Discip V Md Cp R6 |
| TIAA Vanguard Inst Idx Inst |
| TIAA Vanguard Ttl Bd Mkt Idx Adm |
| TIAA Vanguard Ttl Intl Stk Idx Inst |
| TIAA Nuveen Lifecycle 2065 R6 |
| TIAA JPMorgan Large Cap Growth R6 |
| TIAA MassMutual Small Cap Gr Eq I |
| TIAA MFS Mid Cap Growth Fund R6 |
| TIAA MFS Value Fund Class R6 |
| Fidelity VANG VMMR-FED MMKT |
| Fidelity MFS VALUE R6 |
| Fidelity AF EUROPAC GROWTH R6 |
| Fidelity MFS MID CAP GRTH R6 |
| Fidelity BLKRK TOT RETURN K |
| Fidelity ABF SM CAP VALUE R6 |
| Fidelity FID GROWTH CO K |
| Fidelity FID LOW PRICED STK K |
| Fidelity FID PURITAN K |
| Fidelity FID US BOND IDX |
| Fidelity FID 500 INDEX |
| Fidelity FID EXTD MKT IDX |
| Fidelity FID FREEDOM INC K |
| Fidelity FID FREEDOM 2010 K |
| Fidelity FID FREEDOM 2015 K |
| Fidelity FID FREEDOM 2020 K |
| Fidelity FID FREEDOM 2025 K |
| Fidelity FID FREEDOM 2030 K |
| Fidelity FID FREEDOM 2035 K |
| Fidelity FID FREEDOM 2040 K |
| Fidelity FID FREEDOM 2045 K |
| Fidelity FID FREEDOM 2050 K |
| Fidelity FID FREEDOM 2055 K |
| Fidelity FID FREEDOM 2060 K |
| Fidelity FID FREEDOM 2065 K |
| Fidelity to 9.50% due through 2029 |
| 123456789 ABCDEFGHI ABCDEFGHI ABCDE |
| CITYEFGHI ABCDEFGHI AB, ST |
| c Plan Name |
| b Retired or separated participants receiving benefits ……………………………………………………………………………………………. 6b |
| c Other retired or separated participants entitled to future benefits ………………………………………………………………………….. 6c |
| e Deceased participants whose beneficiaries are receiving or are entitled to receive benefits. ……………………………………. 6e |
| g(2) complete this item) …………………………………………………………………………………………………………………………………………. 6g |
| h less than 100% vested ……………………………………………………………………………………………………………………………………. 6h |
Investment model portfolios
We provide two types of investment model portfolios for ADELPHI UNIVERSITY DEFINED CONTRIBUTION RETIREMENT 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 ADELPHI UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN