Investment options of THE RVA PLAN
Total Available Funds: 24
| Investment Description |
|---|
| Fidelity Investments Fidelity 500 Index Fund N/A |
| TIAA Investments TIAA-Cref Lfcy Idx 2030 Inst N/A |
| American Century Investment American Century Ultra R6 Fund N/A |
| TIAA Investments TIAA-Cref Lfcy Idx 2025 Inst N/A |
| TIAA Investments TIAA-Cref Lfcy Idx 2040 Inst N/A |
| JP Morgan Funds JP Morgan Mid Cap Growth R6 Fd N/A |
| TIAA Investments TIAA-Cref Lfcy Idx 2035 Inst N/A |
| TIAA Investments TIAA-Cref Lfcy Idx 2020 Inst N/A |
| TIAA Investments TIAA-Cref Lfcy Idx 2045 Inst N/A |
| TIAA Investments TIAA-Cref Lfcy Idx 2050 Inst N/A |
| Fidelity Investments Fidelity Mid CP Index Fund N/A |
| TIAA Investments TIAA-Cref Lfcy Idx 2055 Inst N/A |
| T. Rowe Price Funds T. Rowe Price Div Growth I Fd N/A |
| Columbia Funds Columbia Small Cap VL I I3 Fd N/A |
| TIAA Investments TIAA-Cref Lfcy Idx 2060 Inst N/A |
| Putnam Investments Putnam Large Cap Value R6 Fund N/A |
| Fidelity Investments Fidelity International Idx Fd N/A |
| Legg Mason Clearbridge Intl Grth IS Fd N/A |
| Putnam Investments Putnam Sm Cap Growth R6 Fund N/A |
| TIAA Investments TIAA-Cref Lfcy Idx 2015 Inst N/A |
| TIAA Investments TIAA-Cref Lfcy Idx 2065 Inst N/A |
| Columbia Funds Columbia Overseas Value I3 N/A |
| TIAA Investments TIAA-Cref Lfcy Idx Ret Inc Ins N/A |
| TIAA Investments TIAA-Cref Lfcy Idx 2010 Inst N/A |
Investment model portfolios
We provide two types of investment model portfolios for THE RVA 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 THE RVA PLAN