Investment options of AUI SUPPLEMENTAL RETIREMENT ANNUITY PLAN
Total Available Funds: 40
| Investment Description |
|---|
| VANGUARD SMALL CAP INDEX INSTITUTIONAL |
| VANGUARD SMALL CAP GROWTH INDEX |
| VICTORY SYCAMORE SMALL CO OPP R6 |
| TIAA- CREF VANGUARD TARGET RETIRE 2040 |
| TIAA- CREF VANGUARD TARGET RETIRE 2035 |
| TIAA- CREF VANGUARD TARGET RETIRE 2045 |
| TIAA- CREF VANGUARD TARGET RETIRE INCOME |
| CREF STOCK R2 VARIABLE ANNUITIES |
| CREF MONEY MARKET R2 VARIABLE ANNUITIES |
| CREF SOCIAL CHOICE R6 MUTUAL FUND |
| CREF TOTAL RETURN BD R6 MUTUAL FUND |
| VANGUARD INST IDX INST MUTUAL FUND |
| VANGURD EXTENDED MKT IDX ADM MUTUAL FUND |
| VANGUARD TTL INTL STK IDX ADM MUTUAL FUND |
| VANGUARD TTL BD MKT IDX ADM MUTUAL FUND |
| VANGUARD INFL PROTECT SEC ADM MUTUAL FUND |
| JOHN HANCOCK DISCIPLND VAL R6 MUTUAL FUND |
| AB DISCOVERY VALUE FD CLASS Z MUTUAL FUND |
| WILLIAM BLAIR SMALL MD C GRW I MUTUAL FUND |
| PGIM TOTAL RTN BD R6 MUTUAL FUND |
| VANG INFL PROT ADM MUTUAL FUND |
| WM BLAIR SMIDCP GR I MUTUAL FUND |
| DODGE & COX STOCK MUTUAL FUND |
| PARNASSUS CORE EQUITY FUND - INVESTOR SHARES MUTUAL FUND |
| COHEN & STEERS REALTY SHARES Z MUTUAL FUND |
| TIAA- CREF LIFECYCLE 2010-PREM MUTUAL FUND |
| TIAA- CREF LIFECYCLE 2015-PREM MUTUAL FUND |
| TIAA- CREF LIFECYCLE 2020-PREM MUTUAL FUND |
| TIAA- CREF LIFECYCLE 2025-PREM MUTUAL FUND |
| TIAA- CREF LIFECYCLE 2030-PREM MUTUAL FUND |
| TIAA- CREF LIFECYCLE 2035-PREM MUTUAL FUND |
| TIAA- CREF LIFECYCLE 2040-PREM MUTUAL FUND |
| TIAA- CREF LIFECYCLE 2045-PREM MUTUAL FUND |
| TIAA- CREF LIFECYCLE 2050-PREM MUTUAL FUND |
| TIAA- CREF LIFECYCLE 2055-PREM MUTUAL FUND |
| METROPOLITAN WEST TOT RET BD M MUTUAL FUND |
| T ROWE PRICE NEW AMERICA GRWTH MUTUAL FUND |
| LOOMIS SAYLES GLOBAL BOND N MUTUAL FUND |
| TRANSMERICA INTERNATL EQ R6 MUTUAL FUND |
| FEDERATED GVT OBLIGATIONS INST MUTUAL FUND |
Investment model portfolios
We provide two types of investment model portfolios for AUI SUPPLEMENTAL RETIREMENT ANNUITY 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 AUI SUPPLEMENTAL RETIREMENT ANNUITY PLAN