Investment options of KEYS SCHOOL DC PLAN
Total Available Funds: 56
| Investment Description |
|---|
| CREF Growth R1 Variable annuities |
| CREF Global Equities R1 Variable annuities |
| CREF Stock R1 Variable annuities |
| CREF Core Bond R1 Variable annuities |
| CREF Inflation-Linked Bond R1 Variable annuities |
| CREF Social Choice R1 Variable annuities |
| CREF Equity I ndex R1 Variable annuities |
| CREF Stock R1 Registered Investment Company NR |
| CREF Social Choice R1 Registered Investment Company NR |
| CREF Global Equities R1 Registered Investment Company NR |
| CREF Growth R1 Registered Investment Company NR |
| CREF Equity Index R1 Registered Investment Company NR |
| CREF Inflation-Linked Bond R1 Registered Investment Company NR |
| TIAA Access Nuv Core Pl Bd T4 Registered Investment Company NR |
| TIAA Access Nuv Core Bond T4 Registered Investment Company NR |
| TIAA Access Nuv Core Equity T4 Registered Investment Company NR |
| TIAA Access Nuv Intl Equity T4 Registered Investment Company NR |
| TIAA Access Nuv LfCy Rt Inc T4 Registered Investment Company NR |
| TIAA Access Nuv Lrg Cap Gr T4 Registered Investment Company NR |
| TIAA Access Nuv Lrg Cap Val T4 Registered Investment Company NR |
| TIAA Access Nuv LifCyc 2035 T4 Registered Investment Company NR |
| TIAA Access Nuv LifCyc 2040 T4 Registered Investment Company NR |
| TIAA Access Nuv LifCyc 2045 T4 Registered Investment Company NR |
| TIAA Access Nuv LifCyc 2050 T4 Registered Investment Company NR |
| TIAA Access Nuv Mid Cap Grw T4 Registered Investment Company NR |
| TIAA Access Nuv Mid Cap Val T4 Registered Investment Company NR |
| TIAA Access Nuv RlEstSecSel T4 Registered Investment Company NR |
| TIAA Access Nuv Sm Cp Bl Ix T4 Registered Investment Company NR |
| TIAA Access Nuv Qt Sm Cp Eq T4 Registered Investment Company NR |
| TIAA Access Nuv LgCp Res Eq T4 Registered Investment Company NR |
| CREF Core Bond R1 Registered Investment Company NR |
| Nuveen Small Cap Bld Idx Rtmt Registered Investment Company NR |
| Amer Century Mid Cap Value I Registered Investment Company NR |
| DFA US Targeted Val Port Inst Registered Investment Company NR |
| PIMCO Real Return Fund Admin Registered Investment Company NR |
| Vanguard Ttl Bd Mkt Idx Adm Registered Investment Company NR |
| Vanguard Mid-Cap Idx Adm Registered Investment Company NR |
| JPMorgan Smart Ret Income A Registered Investment Company NR |
| JPMorgan Smart Ret 2020 A Registered Investment Company NR |
| JPMorgan Smart Ret 2025 A Registered Investment Company NR |
| JPMorgan Smart Ret 2030 A Registered Investment Company NR |
| JPMorgan Smart Ret 2035 A Registered Investment Company NR |
| JPMorgan Smart Ret 2040 A Registered Investment Company NR |
| JPMorgan Smart Ret 2045 A Registered Investment Company NR |
| JPMorgan Smart Ret 2050 A Registered Investment Company NR |
| JPMorgan Smart Ret 2055 A Registered Investment Company NR |
| BlackRock High Yield InvestorA Registered Investment Company NR |
| Janus Henderson Triton T Registered Investment Company NR |
| AF American Balanced Fund R4 Registered Investment Company NR |
| AF New Perspective Fund R4 Registered Investment Company NR |
| Vanguard 500 Idx Adm Registered Investment Company NR |
| MFS Value Fund Class R6 Registered Investment Company NR |
| MassMutual Mid Cap Growth I Registered Investment Company NR |
| Parnassus Value Equity Instl Registered Investment Company NR |
| DFA International Core Eq Inst Registered Investment Company NR |
| Harbor Capital Appreciation In Registered Investment Company NR |
Investment model portfolios
We provide two types of investment model portfolios for KEYS SCHOOL DC 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 KEYS SCHOOL DC PLAN