Investment options of ICUF MULTIPLE EMPLOYER PLAN
Total Available Funds: 46
| Investment Description |
|---|
| CREF Stock R1 |
| CREF Social Choice R1 |
| CREF Global Equities R1 |
| CREF Growth R1 |
| CREF Equity Index R1 |
| CREF Inflation-Linked Bond R1 |
| TIAA Access Core Bond Plus T4 |
| TIAA Access Equity Index T4 |
| TIAA Access Growth & Income T4 |
| TIAA Access Intl Equity T4 |
| TIAA Access Lfcyle Rtmt Inc T4 |
| TIAA Access Lg-Cap Gr T4 |
| TIAA Access Lg-Cap Val T4 |
| TIAA Access Lifecycle 2010 T4 |
| TIAA Access Lifecycle 2015 T4 |
| TIAA Access Lifecycle 2020 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 Mid-Cap Gr T4 |
| TIAA Access Mid-Cap Val T4 |
| TIAA Access Real Est Secs T4 |
| TIAA Access Sm-Cap Bl Idx T4 |
| TIAA Access Quant Sml Cp Eq T4 |
| TIAA Access Social Ch Eq T4 |
| CREF Core Bond R1 |
| Vanguard Federal Money Mkt Inv |
| Vanguard Ttl Bd Mkt Idx Adm |
| TIAA Access Lifecycle 2055 T4 8N |
| TIAA Access Lifecycle 2060 T4 |
| Baird Core Plus Bond Fund Inst |
| TIAA Access Lifecycle 2055 T4 AB |
| Putnam Large Cap Value Fund R6 |
| Vanguard Ttl Stk Mkt Idx Adm |
| MFS Growth Fund Class R6 |
| Victory Sycamore Estab Val R6 |
| Carillon Eagle Mid Cap Grw R6 |
| American Century Sm Cap Val R6 |
| ClearBridge Small Cp Growth IS |
| JPMorgan International Eqty R6 |
| Vanguard Ttl Instl Stk Idx Adm |
| JPMorgan Emerging Mrkts Eq R6 |
| Participant Notes Receivable (Interest rate 4.25% to 9.50%) |
Investment model portfolios
We provide two types of investment model portfolios for ICUF MULTIPLE EMPLOYER 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 ICUF MULTIPLE EMPLOYER PLAN