Investment options of CAMPUS USA CREDIT UNION 401(K) PLAN AND TRUST
Total Available Funds: 27
| Investment Description |
|---|
| PRINCIPAL GLOBAL INVESTORS TRUST CO. PRINCIPAL LIFETIME HYBR 2050 CIT Z |
| PRINCIPAL GLOBAL INVESTORS TRUST CO. PRINCIPAL LIFETIME HYBR 2040 CIT Z |
| PRINCIPAL GLOBAL INVESTORS TRUST CO. PRINCIPAL LIFETIME HYBR 2030 CIT Z |
| ALLIANCE BERSTEIN AB LARGE-CAP GROWTH I FUND |
| PRINCIPAL LIFE INSURANCE CO. LARGE-CAP S&P 500 INDEX SEP. ACCT. |
| PRINCIPAL GLOBAL INVESTORS TRUST CO. COLLECTIVE TRUST-PRINCIPAL STABLE VALUE |
| PRINCIPAL GLOBAL INVESTORS TRUST CO. PRINCIPAL LIFETIME HYBR 2060 CIT Z |
| PRINCIPAL GLOBAL INVESTORS TRUST CO. PRINCIPAL LIFETIME HYBR 2020 CIT Z |
| PRINCIPAL LIFE INSURANCE CO. MID-CAP S&P 400 INDEX SEP ACCT. |
| CALVERT GROUP CALVERT EQUITY A FUND |
| MFS INVESTMENT MANAGEMENT MFS VALUE R6 FUND |
| PRINCIPAL LIFE INSURANCE CO. CAPITAL APPRECIATION SEP. ACCT. |
| AMERICAN FUNDS SERVICE AMERICAN FUNDS AM BALANCED R6 FUND |
| PRINCIPAL GLOBAL INVESTORS TRUST CO. PRINCIPAL LIFETIME HYBR 2055 CIT Z |
| PRINCIPAL LIFE INSURANCE CO. SMALL-AMP;P 600 INDEX SEP. ACCT. |
| VANGUARD GROUP VANGUARD SEL VALUE INV FUND |
| PRINCipal Life Insurance Co. DIVERSIFIED INTERNATIONAL SEP. ACCT. |
| PRINCIPAL Life Insurance Co. SMALL-CAP GROWTH I SEP. ACCT. |
| FRANKLIN TEMPLETON INVESTMENTS FRANKLIN HIGH INCOME R6 FUND |
| PRINCIPAL Life Insurance Co. INT. EMERGING MARKETS SEP. ACCT. |
| PRINCIPAL Life Insurance Co. SELF-DIRECTED BROKERAGE ACCOUNT |
| PRINCIPAL GLOBAL INVESTORS TRUST CO. PRINCIPAL LIFETIME HYBR 2025 CIT Z |
| PRINCIPAL GLOBAL INVESTORS TRUST CO. PRINCIPAL LIFETIME HYBR 2035 CIT Z |
| MASSMUTUAL FINANCIAL GROUP SEL MID-AMP;G INS FD |
| DELAWARE INVESTMENTS SMALL-AMP;V R6 FUND |
| PIMCO INCOME INSTITUTIONAL FUND |
| PRINCIPAL Life Insurance Co. U. |
Investment model portfolios
We provide two types of investment model portfolios for CAMPUS USA CREDIT UNION 401(K) PLAN AND TRUST 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 CAMPUS USA CREDIT UNION 401(K) PLAN AND TRUST