Investment options of UCAR RETIREMENT PLAN
Total Available Funds: 42
| Investment Description |
|---|
| Vanguard Institutional Index |
| Nuveen International Responsible Equity |
| Nuveen Large Cap Responsible Equity |
| JP Morgan Large Cap Growth |
| Vanguard Small Cap Value Index |
| MFS Value |
| Nuveen Lifecycle Index 2050 |
| Vanguard Small Cap Growth Index |
| Nuveen Lifecycle Index 2045 |
| Nuveen Lifecycle Index 2030 |
| Nuveen Lifecycle Index 2040 |
| Nuveen Lifecycle Index 2035 |
| American EuroPacific Growth |
| Nuveen Lifecycle Index 2055 |
| DFA US Sustainability Core |
| Nuveen Lifecycle Index 2025 |
| Nuveen Lifecycle Index 2020 |
| Nuveen Lifecycle Index 2060 |
| TIAA-CREF Self Directed Account |
| Conestoga Small Cap |
| TIAA-CREF Core Impact Bond |
| HAW Small Cap Diversified Value |
| Nuveen Lifecycle Index 2010 |
| Nuveen Lifecycle Index 2015 |
| DFA Global Sustainability Fixed Income |
| DFA World Ex U.S Value |
| DFA International Small Company Portfolio |
| DFA International Sustainability Core |
| Nuveen Lifecycle Index 2065 |
| TIAA Traditional Non Benefit Responsive |
| TIAA Traditional Non Benefit Responsive 2 |
| CREF Stock |
| CREF Growth |
| CREF Social Choice |
| CREF Global Equities |
| CREF Equity Index |
| CREF Core Bond |
| CREF Inflation-Linked Bond |
| TIAA Traditional Benefit Responsive |
| TIAA Traditional Benefit Responsive 2 |
| TIAA Plan Loan Default |
| Rates Ranging from 4.25% to 9.50% |
Investment model portfolios
We provide two types of investment model portfolios for UCAR 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 UCAR RETIREMENT PLAN