Investment options of YALE UNIVERSITY TAX-DEFERRED 403(B) SAVINGS PLAN
Total Available Funds: 19
| Investment Description |
|---|
| TIAA TRADITIONAL ANNUITY CONTRACT NON-BENEFIT RESPONSIVE |
| TIAA TRADITIONAL ANNUITY CONTRACT BENEFIT RESPONSIVE |
| TIAA REAL ESTATE POOLED SEPARATE ACCOUNT |
| CREF STOCK R3 REGISTERED INVESTMENT COMPANY |
| CREF MONEY MARKET R3 REGISTERED INVESTMENT COMPANY |
| CREF SOCIAL CHOICE R3 REGISTERED INVESTMENT COMPANY |
| CREF GLOBAL EQUITIES R3 REGISTERED INVESTMENT COMPANY |
| CREF GROWTH R3 REGISTERED INVESTMENT COMPANY |
| CREF EQUITY INDEX R3 REGISTERED INVESTMENT COMPANY |
| CREF INFLATION-LINKED BOND R3 REGISTERED INVESTMENT COMPANY |
| CREF CORE BOND R3 REGISTERED INVESTMENT COMPANY |
| VANGUARD FEDERAL MONEY MKT INV REGISTERED INVESTMENT COMPANY |
| VANGUARD INFL PROTECT SEC INST REGISTERED INVESTMENT COMPANY |
| VANGUARD TTL BD MKT IDX INST REGISTERED INVESTMENT COMPANY |
| VANGUARD REAL ESTATE IDX INST REGISTERED INVESTMENT COMPANY |
| VAN DEVELOPED MKTS IDX INSPLUS REGISTERED INVESTMENT COMPANY |
| VANGUARD TOTAL ST MK IX IN PL REGISTERED INVESTMENT COMPANY |
| VAN EMERGING MKTS IDX INS PLUS REGISTERED INVESTMENT COMPANY |
| TIAA-CREF SELF DIRECTED ACCOUNTS SELF-DIRECTED ACCOUNTS |
Investment model portfolios
We provide two types of investment model portfolios for YALE UNIVERSITY TAX-DEFERRED 403(B) SAVINGS 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 YALE UNIVERSITY TAX-DEFERRED 403(B) SAVINGS PLAN