Investment options of PACE UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN
Total Available Funds: 47
| Investment Description |
|---|
| TIAA CREF Stock R2 |
| TIAA CREF Social Choice R2 |
| TIAA CREF Global Equities R2 |
| TIAA CREF Growth R2 |
| TIAA CREF Equity Index R2 |
| TIAA CREF Inflation-Linked Bond R2 |
| TIAA CREF Core Bond R2 |
| TIAA Nuveen High Yield R6 |
| TIAA Nuveen Internatl Eq Idx R6 |
| Vanguard Emr Mkts Stk Idx Inst |
| Vanguard Equity Income Adm |
| Vanguard Mid-Cap Idx Inst |
| Vanguard Ttl Bd Mkt Idx Inst |
| Vanguard Ttl Stk Mkt Idx Inst |
| American Funds American Cent MdCpVa Fd Cla R6 |
| Franklin Growth Fund R6 |
| T Rowe Price T Rowe Price Capital Apprec I |
| TIAA CREF Core Bond R4 |
| TIAA CREF Inflation-Linked Bond R4 |
| TIAA CREF Social Choice R4 |
| TIAA CREF Stock R4 |
| Driehaus Driehaus Emerging Mkts Gr Inst |
| T Rowe Price Trowe Price Institl Sml Cp Stk |
| John Hancock Disc Val Intl R6 |
| Fidelity FID CONTRAFUND |
| Fidelity FID GROWTH & INC |
| Fidelity FID LOW PRICED STK |
| Fidelity FID FREEDOM 2010 K |
| Fidelity FID FREEDOM 2015 K |
| Fidelity FID FREEDOM 2020 K |
| Fidelity FID FREEDOM 2025 K |
| Fidelity FID FREEDOM 2030 K |
| Fidelity FID FREEDOM 2035 K |
| Fidelity FID FREEDOM 2040 K |
| Fidelity FID FREEDOM 2045 K |
| Fidelity FID FREEDOM 2050 K |
| Fidelity FID FREEDOM 2065 K |
| Fidelity FID US BOND IDX |
| Fidelity FID 500 INDEX |
| Fidelity FID GLB EX US IDX |
| Fidelity FID EXTD MKT IDX |
| Fidelity FID FREEDOM INC K |
| (non-benefit-responsive) |
| (benefit-responsive) |
| TIAA TIAA-CREF Self Directed Acct |
| of 8.25% |
| TIAA Notes receivable from participants, maturing in |
Investment model portfolios
We provide two types of investment model portfolios for PACE UNIVERSITY 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 PACE UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN