Investment options of MIDDLEBURY COLLEGE CORE RETIREMENT PLAN
Total Available Funds: 37
| Investment Description |
|---|
| COLLEGE RETIREMENT EQUITIES FUND |
| MONEY MARKET FUND |
| SOCIAL CHOICE FUND |
| BOND MARKET FUND |
| GLOBAL EQUITIES FUND |
| GROWTH FUND |
| EQUITY INDEX FUND |
| INFLATION LINKED BOND FUND |
| TEACHERS INSURANCE AND ANNUITY ASSOCIATION VANGUARD EXTENDED MONEY MARKET |
| VANGUARD FEDERAL MONEY MARKET |
| VANGUARD INST IDX INST |
| VANGUARD TOTAL BOND MARKET IDX |
| PRUDENTIAL TOTAL RETURN BOND Q |
| VANGUARD S-T INF PRO SEC IDX |
| MFS VALUE FUND CLASS R6 |
| T. ROWE PRICE BLUE CHIP GR 1 |
| EMERALD GROWTH FUND INST |
| THE HARTFORD INTERNATIONAL OPP R6 |
| VANGUARD TOTAL INTL STOCK INDEX ADM |
| HARTFORD SCHRODERS EMMKTEQ SDR |
| AMERICAN CENTURY SMALL CAP VAL R6 |
| SELF DIRECTED ACCOUNT |
| INSTITUTIONAL LIFECYCLE FUND 2010 |
| INSTITUTIONAL LIFECYCLE FUND 2015 |
| INSTITUTIONAL LIFECYCLE FUND 2020 |
| INSTITUTIONAL LIFECYCLE FUND 2025 |
| INSTITUTIONAL LIFECYCLE FUND 2030 |
| INSTITUTIONAL LIFECYCLE FUND 2035 |
| INSTITUTIONAL LIFECYCLE FUND 2040 |
| INSTITUTIONAL LIFECYCLE FUND 2045 |
| INSTITUTIONAL LIFECYCLE FUND 2050 |
| INSTITUTIONAL LIFECYCLE FUND 2055 |
| INSTITUTIONAL LIFECYCLE FUND 2060 |
| INSTITUTIONAL LIFECYCLE FUND 2065 |
| TIAA TRADITIONAL NON BENEFIT RESPONSIVE |
| TIAA TRADITIONAL BENEFIT RESPONSIVE |
| REAL ESTATE POOLED SEPARATE ACCOUNT |
Investment model portfolios
We provide two types of investment model portfolios for MIDDLEBURY COLLEGE CORE 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 MIDDLEBURY COLLEGE CORE RETIREMENT PLAN