Investment options of JEFFERSON DEFINED CONTRIBUTION RETIREMENT PLAN
Total Available Funds: 34
| Investment Description |
|---|
| American Funds Cap Wrld GRW AND INC R6 |
| American Funds EuroPac Growth R6 |
| CREF Core Bond R3 |
| CREF Equity Index R3 |
| CREF Global Equities R3 |
| CREF Growth R3 |
| CREF Inflation-Linked Bond R3 |
| CREF Social Choice R3 |
| CREF Stock R3 |
| Dodge & Cox Income Fund |
| Nuveen Lifecycle Index Retirement Inc R6 |
| Nuveen Lifecycle Index 2010 R6 |
| Nuveen Lifecycle Index 2015 R6 |
| Nuveen Lifecycle Index 2020 R6 |
| Nuveen Lifecycle Index 2025 R6 |
| Nuveen Lifecycle Index 2030 R6 |
| Nuveen Lifecycle Index 2035 R6 |
| Nuveen Lifecycle Index 2040 R6 |
| Nuveen Lifecycle Index 2045 R6 |
| Nuveen Lifecycle Index 2050 R6 |
| Nuveen Lifecycle Index 2055 R6 |
| Nuveen Lifecycle Index 2060 R6 |
| Nuveen Lifecycle Index 2065 R6 |
| Vanguard Emr Mkts Stk Idx Inst |
| Vanguard Extend MkIdx Inst Pl |
| Vanguard Federal Money Mkt Inv |
| Vanguard FTSE Social Index Adm |
| Vanguard Infl Protect Sec Inst |
| Vanguard Inst Idx Inst Plus |
| Vanguard PRIMECAP Adm |
| Vanguard Ttl Intl Stk Idx Inst |
| Vanguard Ttl Bd Mkt Idx Inst |
| Vanguard Windsor II Adm |
| Notes receivable from Interest rate of 4.25% to 9.50% with maturity |
Investment model portfolios
We provide two types of investment model portfolios for JEFFERSON DEFINED CONTRIBUTION RETIREMENT 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 JEFFERSON DEFINED CONTRIBUTION RETIREMENT PLAN