Investment options of TIDES 403(B) RETIREMENT PLAN
Total Available Funds: 41
| Investment Description |
|---|
| CREF Equity Index Registered investment companies |
| CREF Global Equities Registered investment companies |
| CREF Growth Registered investment companies |
| CREF Inflation-Linked Bond Registered investment companies |
| CREF Social Choice Registered investment companies |
| CREF Stock Registered investment companies |
| AMERICAN CENTURY GINNIE MAE R5 Registered investment companies |
| AMERICAN CENTURY MID CAP VALUE R6 Registered investment companies |
| AMERICAN FUNDS EUROPACIFIC GR R6 Registered investment companies |
| CALVERT US MID CAP CORE RSPNB IDX A Registered investment companies |
| DFA COMMODITY STRATEGY INSTITUTIONAL Registered investment companies |
| DODGE & COX INCOME FUND CLASS X Registered investment companies |
| FIDELITY EMERGING MARKETS INDEX Registered investment companies |
| FIDELITY INFLATION PROTECTED BOND INDEX Registered investment companies |
| FIDELITY INTL SUSTAINABILITY IDX Registered investment companies |
| FIDELITY SMALL CAP GROWTH K6 Registered investment companies |
| JANUS HENDERSON ENTERPRISE N Registered investment companies |
| JPMORGAN EQUITY INCOME R6 Registered investment companies |
| NUVEEN CORE IMPACT BOND R6 Registered investment companies |
| PARNASSUS CORE EQUITY—INV Registered investment companies |
| PUTNAM SHORT DURATION BOND Y Registered investment companies |
| T. ROWE PRICE 2010 FUND Registered investment companies |
| T. ROWE PRICE 2015 FUND Registered investment companies |
| T. ROWE PRICE 2020 FUND Registered investment companies |
| T. ROWE PRICE 2025 FUND Registered investment companies |
| T. ROWE PRICE 2030 FUND Registered investment companies |
| T. ROWE PRICE 2035 FUND Registered investment companies |
| T. ROWE PRICE 2040 FUND Registered investment companies |
| T. ROWE PRICE 2045 FUND Registered investment companies |
| T. ROWE PRICE 2050 FUND Registered investment companies |
| T. ROWE PRICE 2055 FUND Registered investment companies |
| T. ROWE PRICE 2060 FUND Registered investment companies |
| T. ROWE PRICE RETIREMENT BALANCED FUND Registered investment companies |
| VANGUARD FTSE ALL-WLD EX-US IDX ADMIRAL Registered investment companies |
| VANGUARD FTSE SOCIAL INDEX ADMIRAL Registered investment companies |
| VANGUARD INTERM-TERM BOND INDEX ADM Registered investment companies |
| VANGUARD MID CAP INDEX ADMIRAL Registered investment companies |
| VANGUARD SMALL CAP INDEX ADM Registered investment companies |
| VANGUARD SMALL CAP VALUE INDEX ADMIRAL Registered investment companies |
| VANGUARD US GROWTH ADM Registered investment companies |
| 9.5%, maturing through |
Investment model portfolios
We provide two types of investment model portfolios for TIDES 403(B) 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 TIDES 403(B) RETIREMENT PLAN