Investment options of CALTECH VOLUNTARY RETIREMENT PLAN
Total Available Funds: 22
| Investment Description |
|---|
| VANGUARD EXTEND MKLDX INST FL |
| VANGUARD HIT IFIX INST PLUS |
| VANGUARD SHORT-TERM BD IDX INST |
| VANGUARD TOTAL HIT ST IX ISPIS |
| VANGUARD TREASURY MONEYMKT INS' |
| VANGUARD TTL ED MID IDX INSTPL |
| TIAA TRADITIONAL BENEFIT RESPONSIBLE INVESTMENT STRATEGY |
| TIAA SOCIAL CLI EQ-INST |
| ALLSPIISG EMERGING GROWTH INST |
| AMERICAS FCL NEW PERSPECTIVE R6 |
| COHEN & STEERS GLOBAL REALTY Z |
| DODGE & COX GLOBAL BOND FUND I |
| DODGE & COX INTL STOCK FUND I |
| DODGE & COX STOCK FUND I |
| INVESTSCO GLOBAL R6 |
| MATTHEWS ASIA GROWTH FSNSD INST |
| PGIM JENNISON GROWTH Z |
| PGIM JENNISON MID CAP GNV R6 |
| PIMCO REAL RETURN INST CLASS |
| PIMCO TOTAL RETURN INSTL |
| TRANSANSERICA MID CAL) VAL OPPR6 |
| VICTORY INTEGRITY SMN-CP VAL R6 |
Investment model portfolios
We provide two types of investment model portfolios for CALTECH VOLUNTARY 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 VOLUNTARY RETIREMENT PLAN