Investment options of COLGATE UNIVERSITY DEFINED CONTRIBUTION RETIREMENT
Total Available Funds: 54
| Investment Option List |
|---|
| Fidelity Investments® VIP Mid Cap Portfolio Registered investment company (VPFSX) |
| Fidelity Investments® VIP Asset Manager(SM) Registered investment company (FTANX) |
| Fidelity Investments® VIP Contrafund® Portfolio Registered investment company (VPCSX) |
| Fidelity Investments® VIP Equity-Income Portfolio Registered investment company (VPESX) |
| Invesco VI Main Street Registered investment company (IOAPX) |
| American Century VP Captial Appreciation Registered investment company |
| Vanugard VIF International Portfolio Registered investment company (GIEIX) |
| Fidelity 500 Index Registered investment company (FRESX) |
| Fidelity International Index Registered investment company (FSSEX) |
| Fidelity Mid Cap Idx Registered investment company (FIIMX) |
| Janus Triton I Registered investment company (JSMGX) |
| Janus Enterprise T Registered investment company (JMGRX) |
| FKLN Sm Cap Val Adv Registered investment company |
| Impax Sustain Allocation Inst Registered investment company (IMPAX) |
| Fidelity INTL Discovery Registered investment company |
| Fidelity Contrafund K Registered investment company (FCNTX) |
| T. Rowe Price Retirement Balance Registered investment company (TRRFX) |
| T. Rowe Price Retirement 2005 Registered investment company (TRRFX) |
| T. Rowe Price Retirement 2010 Registered investment company (TRRAX) |
| T. Rowe Price Retirement 2015 Registered investment company (TRRGX) |
| T. Rowe Price Retirement 2020 Registered investment company (TRRBX) |
| T. Rowe Price Retirement 2025 Registered investment company (TRRHX) |
| T. Rowe Price Retirement 2030 Registered investment company (TRRCX) |
| T. Rowe Price Retirement 2035 Registered investment company (TRRJX) |
| T. Rowe Price Retirement 2040 Registered investment company (TRRDX) |
| T. Rowe Price Retirement 2045 Registered investment company (TRRKX) |
| T. Rowe Price Retirement 2050 Registered investment company (TRRMX) |
| T. Rowe Price Retirement 2055 Registered investment company (TRRNX) |
| T. Rowe Price Retirement 2060 Registered investment company (TRPLX) |
| T. Rowe Price Retirement 2065 Registered investment company (PASUX) |
| Fidelity Sm Cap Idx Registered investment company (FSSJX) |
| PIMCO Real Rtn Inst Registered investment company |
| American Funds Fundamental Invs Registered investment company (RFNFX) |
| American Funds New World Registered investment company (HVWBX) |
| MFS Mid Cap Growth Fund Registered investment company (OTCIX) |
| Virtus Ceredex Mid Cap Val Eq I Registered investment company (SMVTX) |
| AS SPL Mid Cap Value Registered investment company |
| Vanguard Equity Income Adm Registered investment company (VEIPX) |
| Royce Small-Cap Institutional Registered investment company (RHFHX) |
| T. Rowe Price Growth Stk Fd Registered investment company (PRDGX) |
| BlackRock Inflat Prot Bnd Inst Registered investment company |
| Thornburg Intl Value Registered investment company (DTLVX) |
| JP Morgan Small Cap Growth Inst Registered investment company (MSNLX) |
| Cohen & Steers Inst Realty Shares Registered investment company (CSRIX) |
| Dodge & Cox Income Registered investment company (DODIX) |
| Impax Sust Allc Inv Registered investment company (IMPAX) |
| CREF Stock Registered investment company |
| CREF Social Choice Registered investment company (TISCX) |
| CREF Bond Market Registered investment company (TIBDX) |
| CREF Global Equities Registered investment company |
| CREF Growth Registered investment company (TIGRX) |
| CREF Equity Index Registered investment company (RYSEX) |
| CREF Inflation-Linked Bond Registered investment company (TIILX) |
| at various dates through August 2034 |
Investment model portfolios
We provide two types of investment model portfolios for COLGATE UNIVERSITY DEFINED CONTRIBUTION RETIREMENT 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 COLGATE UNIVERSITY DEFINED CONTRIBUTION RETIREMENT