Investment options of GEMMA SERVICES 403B PLAN
Total Available Funds: 54
| Investment Description |
|---|
| American Funds EuroPacific Growth Fund – |
| Calvert US Large Cap Responsive Index Fund – |
| Causeway International Value Fund – |
| DFA US Targeted Value Fund – |
| Fidelity 500 Index Fund – |
| Fidelity Mid Cap Index Fund – |
| Fidelity Small Cap Index Fund – |
| Nuveen Core Bond Fund – |
| Nuveen International Responsible Equity fund – |
| PIMCO Income Fund Institutional – |
| TIAA Access Nuveen Core PI Bond Fund – |
| TIAA Access Nuveen Core Equity Fund – |
| TIAA Access Nuveen International Equity Fund – |
| TIAA Access Nuveen Lifecycle Retirement Income Fund – |
| TIAA Access Nuveen Lifecycle 2015 Fund – |
| TIAA Access Nuveen Lifecycle 2020 Fund – |
| TIAA Access Nuveen Lifecycle 2030 Fund – |
| TIAA Access Nuveen Lifecycle 2035 Fund – |
| TIAA Access Nuveen Lifecycle 2040 Fund – |
| TIAA Access Nuveen Lifecycle 2045 Fund – |
| TIAA Access Nuveen Lifecycle 2050 Fund – |
| TIAA Access Nuveen Lifecycle 2060 Fund – |
| TIAA Access Nuveen Large Capitalization Growth Fund – |
| TIAA Access Nuveen Large Capitalization Value Fund – |
| TIAA Access Nuveen Mid Cap Growth T4 – |
| TIAA Nuveen Mid Cap Value Fund T4 – |
| TIAA Access Nuveen Small Cap Blend Index T4 – |
| TIAA Access Nuveen Quant Small Cap Equity t4 – |
| TIAA Access Nuveen Large Cap Research Equity – |
| Vanguard Target Retirement 2020 Fund – |
| Vanguard Target Retirement 2025 Fund – |
| Vanguard Target Retirement 2030 Fund – |
| Vanguard Target Retirement 2035 Fund – |
| Vanguard Target Retirement 2040 Fund – |
| Vanguard Target Retirement 2045 Fund – |
| Vanguard Target Retirement 2050 Fund – |
| Vanguard Target Retirement 2055 Fund – |
| Vanguard Target Retirement 2060 Fund – |
| Vanguard Target Retirement 2065 Fund – |
| Vanguard Target Retirement 2070 Fund – |
| Vanguard Target Retirement Income Fund – |
| Vanguard Equity Income Fund – |
| Vanguard Explorer Fund Admiral Shares – |
| CREF Core Bond – |
| CREF Equity Index – |
| CREF Global Equities – |
| CREF Growth – |
| CREF Inflation Linked Bond – |
| CREF Social Choice – |
| CREF Stock – |
| TIAA Traditional Fully Benefit Responsive – |
| Voya Fixed Income – |
| Notes receivable from Interest ranging from 4.25%-9.50% maturing – |
| participants through May 10, |
Investment model portfolios
We provide two types of investment model portfolios for GEMMA SERVICES 403B 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 GEMMA SERVICES 403B PLAN