Investment options of FRAUNHOFER USA 403(B) PLAN
Total Available Funds: 58
| Investment Description |
|---|
| American American Beacon Sm Cap Value A |
| American Cent MdCpVa Fd Cla R6 |
| American EuroPac Growth R6 |
| Cohen & Steers Cohen & Steers Real Est Sec Z |
| Dodge & Cox Dodge & Cox Income Fund – Cl X |
| Hermes FedHermes Shrt-Term Inc Svc |
| John Hancock Disciplnd Val R6 |
| Main Stay MainStay Large Cap Growth I |
| Parnassus Parnassus Core Equity Inst |
| PIMCO Income Fd Institutional |
| T. Rowe Price Inst M-C Eq Grw |
| T. Rowe Price QM US Sm CpGrwEqI |
| TIAA-CREF TIAA-CREF Lifecycle 2015-Inst |
| TIAA-CREF Lifecycle 2020-Inst |
| TIAA-CREF Lifecycle 2025-Inst |
| TIAA-CREF Lifecycle 2030-Inst |
| TIAA-CREF Lifecycle 2035-Inst |
| TIAA-CREF Lifecycle 2040-Inst |
| TIAA-CREF Lifecycle 2045-Inst |
| TIAA-CREF Lifecycle 2050-Inst |
| TIAA-CREF Lifecycle 2055-Inst |
| TIAA-CREF Lifecycle 2060-Inst |
| TIAA-CREF Lifecycle 2065-Inst |
| Vanguard 500 Idx Adm |
| Vanguard Extended Mkt Idx Adm |
| Vanguard Federal Money Mkt Inv |
| Vanguard Infl Protect Sec Adm |
| Vanguard Intl Growth Adm |
| Vanguard Ttl Bd Mkt Idx Adm |
| Vanguard Ttl Intl Stk Idx Adm |
| TIAA-CREF TIAA Access Core Bond Plus T4 |
| TIAA Access Equity Index T4 |
| TIAA Access Growth & Income T4 |
| TIAA Access Intl Equity T4 |
| TIAA Access Lg-Cap Gr T4 |
| TIAA Access Lg-Cap Val T4 |
| TIAA Access Lifecycle 2025 T4 |
| TIAA Access Lifecycle 2030 T4 |
| TIAA Access Lifecycle 2035 T4 |
| TIAA Access Lifecycle 2040 T4 |
| TIAA Access Lifecycle 2045 T4 |
| TIAA Access Lifecycle 2050 T4 |
| TIAA Access Lifecycle 2055 T4 |
| TIAA Access Lifecycle 2060 T4 |
| TIAA Access Mid-Cap Gr T4 |
| TIAA Access Mid-Cap Val T4 |
| TIAA Access Quant Sml Cp Eq T4 |
| TIAA Access Real Est Secs T4 |
| TIAA Access Sm-Cap Bl Idx T4 |
| TIAA Access Social Ch Eq T4 |
| CREF Core Bond R2 |
| CREF Equity Index R2 |
| CREF Global Equities R2 |
| CREF Growth R2 |
| CREF Inflation-Linked Bond R2 |
| CREF Social Choice R2 |
| CREF Stock R2 |
| Responsive |
Investment model portfolios
We provide two types of investment model portfolios for FRAUNHOFER USA 403(B) 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 FRAUNHOFER USA 403(B) PLAN