Investment options of POLYTECHNIC SCHOOL DEFINED CONTRIBUTION RETIREMENT PLAN
Total Available Funds: 48
| Investment Description |
|---|
| CREF Stock R2 |
| CREF Social Choice R2 |
| CREF Core Bond R2 |
| CREF Global Equities R2 |
| CREF Growth R2 |
| CREF Equity Index R2 |
| CREF Inflation-Linked Bond R2 |
| TIAA-CREF Lifecycle 2010 – Retirement |
| TIAA-CREF Lifecycle 2015 – Retirement |
| TIAA-CREF Lifecycle 2020 – Retirement |
| TIAA-CREF Lifecycle 2025 – Retirement |
| TIAA-CREF Lifecycle 2030 – Retirement |
| TIAA-CREF Lifecycle 2035 – Retirement |
| TIAA-CREF Lifecycle 2040 – Retirement |
| TIAA-CREF Lifecycle 2045 – Retirement |
| TIAA-CREF Lifecycle 2050 – Retirement |
| TIAA-CREF Lifecycle 2055 – Retirement |
| TIAA-CREF Lifecycle 2060 – Retirement |
| TIAA-CREF Lifecycle Retirement Income |
| TIAA-CREF Internal Equity – Retirement |
| TIAA-CREF Large-Cap Value – Retirement |
| TIAA-CREF Mid-Cap Growth – Retirement |
| TIAA-CREF Mid-Cap Value – Retirement |
| TIAA-CREF Small-Cap Equity Retirement |
| T. Rowe Price T. Rowe Blue Chip Growth |
| T. Rowe Price Retire 2010 Fund |
| T. Rowe Price Retire 2015 Fund |
| T. Rowe Price Retire 2020 Fund |
| T. Rowe Price Retire 2025 Fund |
| T. Rowe Price Retire 2030 Fund |
| T. Rowe Price Retire 2035 Fund |
| T. Rowe Price Retire 2040 Fund |
| T. Rowe Price Retire 2045 Fund |
| T. Rowe Price Retire 2050 Fund |
| T. Rowe Price Retire 2055 Fund |
| T. Rowe Price Retire 2060 Fund |
| Vanguard Small-Cap Idx Adm |
| Vanguard Ttl BD Mkt Idx Adm |
| Vanguard Mid-Cap Idx Adm |
| Vanguard 500 Idx Adm |
| Vanguard Ttl Intl Stk Idx Adm |
| Vanguard FTSE Social Index Adm |
| Western Asset Western Asset Core Bond IS |
| Dodge & Cox Dodge & Cox Balances |
| DFA US Large Cap Value Inst |
| DFA Internal Core Eq Inst |
| TIAA Traditional Benefit Responsive |
| TIAA Traditional Non Benefit Responsive |
Investment model portfolios
We provide two types of investment model portfolios for POLYTECHNIC SCHOOL 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 POLYTECHNIC SCHOOL DEFINED CONTRIBUTION RETIREMENT PLAN