Investment options of EARTHSCOPE CONSORTIUM 403B
Total Available Funds: 52
| Investment Description |
|---|
| Vanguard 500 Idx Adm N/A |
| Vanguard Ttl Bd Mkt Idx Adm N/A |
| Vanguard Ttl Intl Stk Idx Adm N/A |
| Vanguard Extended Mkt Idx Adm N/A |
| American Funds AF EuroPacific Growth Fund R4 N/A |
| Harbor Dodge & Cox Income Fund I N/A |
| TIAA-CREF Harbor Capital Appreciation In N/A |
| TIAA-CREF Lfcyle Idx 2010-Rtmt N/A |
| TIAA-CREF Lfcyle Idx 2015-Rtmt N/A |
| TIAA-CREF Lfcyle Idx 2020-Rtmt N/A |
| TIAA-CREF Lfcyle Idx 2025-Rtmt N/A |
| TIAA-CREF Lfcyle Idx 2030-Rtmt N/A |
| TIAA-CREF Lfcyle Idx 2035-Rtmt N/A |
| TIAA-CREF Lfcyle Idx 2040-Rtmt N/A |
| TIAA-CREF Lfcyle Idx 2045-Rtmt N/A |
| TIAA-CREF Lfcyle Idx 2050-Rtmt N/A |
| TIAA-CREF Lfcyle Idx 2055-Rtmt N/A |
| TIAA-CREF Lfcyle Idx 2060-Rtmt N/A |
| TIAA-CREF Lfcyle Idx 2065-Rtmt N/A |
| TIAA-CREF Lfcyle Idx RtIn-Rtmt N/A |
| Massachusetts Financial Services MFS Mid Cap Growth Fund R4 N/A |
| MFS Mid Cap Value Class R4 N/A |
| MFS Value Fund Class R4 N/A |
| Allspring Allspring Spec SmallCap Val R6 N/A |
| Principal Small Cap Grw I R5 N/A |
| TIAA-CREF CREF Core Bond R1 N/A |
| CREF Equity Index R1 N/A |
| CREF Global Equities R1 N/A |
| CREF Growth R1 N/A |
| CREF Inflation-Linked Bond R1 N/A |
| CREF Social Choice R1 N/A |
| CREF Stock R1 N/A |
| TIAA Access Core Bond Plus T4 N/A |
| TIAA Access Equity Index T4 N/A |
| TIAA AccessCore Equity T4 T4 N/A |
| TIAA Access Intl Equity T4 N/A |
| TIAA Access Lg-Cap Gr T4 N/A |
| TIAA Access Lg-Cap Val T4 N/A |
| TIAA Access Lifecycle 2020 T4 N/A |
| TIAA Access Lifecycle 2025 T4 N/A |
| TIAA Access Lifecycle 2030 T4 N/A |
| TIAA Access Lifecycle 2035 T4 N/A |
| TIAA Access Lifecycle 2040 T4 N/A |
| TIAA Access Lifecycle 2045 T4 N/A |
| TIAA Access Lifecycle 2050 T4 N/A |
| TIAA Access Mid-Cap Gr T4 N/A |
| TIAA Access Mid-Cap Val T4 N/A |
| TIAA Access Real Est Secs T4 N/A |
| TIAA Access Sm-Cap Bl Idx T4 N/A |
| TIAA Access Sm-Cap Eq T4 N/A |
| TIAA Access Nuv LgCp Res Eq T4 N/A |
| TIAA-CREF TIAA Traditional N/A |
Investment model portfolios
We provide two types of investment model portfolios for EARTHSCOPE CONSORTIUM 403B 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 EARTHSCOPE CONSORTIUM 403B