Investment options of CALTECH BASE RETIREMENT PLAN
Total Available Funds: 46
| Investment Description |
|---|
| CREF Stock R3 Registered Investment Company |
| CREF Stock R4 Registered Investment Company |
| CREF Social Choice R3 Registered Investment Company |
| CREF Global Equities R3 Registered Investment Company |
| CREF Growth R3 Registered Investment Company |
| CREF Equity Index R3 Registered Investment Company |
| CREF Inflation-Linked Bond R3 Registered Investment Company |
| CREF Core Bond R3 Registered Investment Company |
| CREF Core Bond R4 Registered Investment Company |
| CREF Equity Index R4 Registered Investment Company |
| CREF Global Equities R4 Registered Investment Company |
| CREF Growth R4 Registered Investment Company |
| CREF Inflation-Linked Bond R4 Registered Investment Company |
| CREF Social Choice R4 Registered Investment Company |
| Allspring Emerg Markt Eq R6 Registered Investment Company |
| Allspring Emerging Growth Inst Registered Investment Company |
| American Fd New Perspective R6 Registered Investment Company |
| Cohen & Steers Global Realty Z Registered Investment Company |
| Dodge & Cox Global Bond Fund X Registered Investment Company |
| Dodge & Cox Stock Fund Class X Registered Investment Company |
| Dodge&CoxInternationalStockX Registered Investment Company |
| Invesco Global R6 Registered Investment Company |
| Nuveen Large Cap Resp Eq R6 Registered Investment Company |
| Nuveen Lifecycle 2010 R6 Registered Investment Company |
| Nuveen Lifecycle 2015 R6 Registered Investment Company |
| Nuveen Lifecycle 2020 R6 Registered Investment Company |
| Nuveen Lifecycle 2025 R6 Registered Investment Company |
| Nuveen Lifecycle 2030 R6 Registered Investment Company |
| Nuveen Lifecycle 2035 R6 Registered Investment Company |
| Nuveen Lifecycle 2040 R6 Registered Investment Company |
| Nuveen Lifecycle 2045 R6 Registered Investment Company |
| Nuveen Lifecycle 2050 R6 Registered Investment Company |
| Nuveen Lifecycle 2055 R6 Registered Investment Company |
| Nuveen Lifecycle 2060 R6 Registered Investment Company |
| Nuveen Lifecycle 2065 R6 Registered Investment Company |
| Nuveen Lifecycle Ret Inc R6 Registered Investment Company |
| PGIM Jennison Growth Z Registered Investment Company |
| PGIM Jennison Mid Cap Grw R6 Registered Investment Company |
| PIMCO Real Return Inst Class Registered Investment Company |
| Transamerica Mid Cap Val OppR6 Registered Investment Company |
| Vanguard Extend MkIdx Inst Pl Registered Investment Company |
| Vanguard Inst Idx Inst Plus Registered Investment Company |
| Vanguard Short-Trm Bd Idx Inst Registered Investment Company |
| Vanguard Treasury MoneyMkt Inv Registered Investment Company |
| Vanguard Ttl Bd Mkt Idx InstPl Registered Investment Company |
| Victory Integrity Sm-Cp Val R6 Registered Investment Company |
Investment model portfolios
We provide two types of investment model portfolios for CALTECH BASE 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 CALTECH BASE RETIREMENT PLAN