Investment options of WIDENER UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN
Total Available Funds: 32
| Investment Description |
|---|
| AMERICAN FUNDS AMERICAN FUNDS EUROPACIFIC GROWTH FUND; CLASS R-6 |
| COHEN & STEERS COHEN & STEERS INSTITUTIONAL REALTY SHARES |
| DODGE & COX DODGE & COX STOCK FUND |
| HARBOR HARBOR SMALL CAP VALUE RETIREMENT CLASS |
| CLEARBRIDGE CLEARBRIDGE SMALL CAP GROWTH IS |
| VANGUARD VANGUARD EXTENDED MARKET INDEX FUND: INST'L SHARES |
| VANGUARD VANGUARD FEDERAL MONEY MARKET FUND |
| VANGUARD VANGUARD INFLATION-PROTECTED SECURITIES FUND: ADM SHARES |
| VANGUARD VANGUARD INSTITUTIONAL INDEX FUND |
| VANGUARD VANGUARD INSTITUTIONAL TARGET RETIREMENT 2020 FUND |
| VANGUARD VANGUARD INSTITUTIONAL TARGET RETIREMENT 2025 FUND |
| VANGUARD VANGUARD INSTITUTIONAL TARGET RETIREMENT 2030 FUND |
| VANGUARD VANGUARD INSTITUTIONAL TARGET RETIREMENT 2035 FUND |
| VANGUARD VANGUARD INSTITUTIONAL TARGET RETIREMENT 2040 FUND |
| VANGUARD VANGUARD INSTITUTIONAL TARGET RETIREMENT 2065 FUND |
| VANGUARD VANGUARD INSTITUTIONAL TARGET RETIREMENT INCOME FUND |
| VANGUARD VANGUARD PRIMECAP FUND ADMIRAL SHARES |
| VANGUARD VANGUARD TOTAL BOND MARKET INDEX FUND: INST'L SHR |
| VANGUARD VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHR |
| LOOMIS SAYLES LOOMIS SAYLES CORE PLUS BOND FUND; CLASS N |
| VANGUARD VANGUARD EMERGING MKTS STOCK IDX FUND ADM SHR |
| TIAA- CREF CREF STOCK R2 |
| TIAA- CREF CREF MONEY MARKET R2 |
| TIAA- CREF CREF SOCIAL CHOICE R2 |
| TIAA- CREF CREF CORE BOND R2 |
| TIAA- CREF CREF GLOBAL EQUITIES R2 |
| TIAA- CREF CREF GROWTH R2 |
| TIAA- CREF CREF EQUITY INDEX R2 |
| TIAA- CREF CREF INFLATION-LINKED BOND R2 |
| TIAA- CREF TIAA REAL ESTATE |
| TIAA- CREF TIAA TRADITIONAL BENEFIT-RESPONSIVE |
| TIAA- CREF TIAA TRADITIONAL NON BENEFIT-RESPONSIVE |
Investment model portfolios
We provide two types of investment model portfolios for WIDENER 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 WIDENER UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN