Investment options of RIVIER UNIVERSITY 403(B) PLAN
Total Available Funds: 56
| Investment Option List |
|---|
| American Cent MdCpVa Fd Cla R6 |
| Blackrock Infl Protected Bd K (BPLBX) |
| Columbia Dividend Income Inst3 (GSFTX) |
| Delaware Ivy Mid Cap Growth R6 (DPAGX) |
| DFA Glob RE Securities Inst |
| DFA Em Markets Val Inst |
| JPMorgan Large Cap Growth R6 (SEEGX) |
| PIMCO Income Fd Institutional (PFIIX) |
| PIMCO Global Bond Opp Fund Inst |
| T. Rowe Price Overseas Stock (TROSX) |
| TIAA and CREF CREF Core Bond R1 (TIBDX) |
| TIAA and CREF CREF Equity Index R1 (TCIEX) |
| TIAA and CREF CREF Global Equities R1 |
| TIAA and CREF CREF Growth R1 (TIGRX) |
| TIAA and CREF CREF Inflation-Linked Bond R1 (TIILX) |
| TIAA and CREF CREF Social Choice R1 (TISCX) |
| TIAA and CREF CREF Stock R1 (TLSTX) |
| TIAA and CREF TIAA Access Core Bond Plus T4 (TCBPX) |
| TIAA and CREF TIAA Access Equity Index T4 (TCIEX) |
| TIAA and CREF TIAA Access Core Equity T4 (TCIEX) |
| TIAA and CREF TIAA Access Intl Equity T4 (TAISX) |
| TIAA and CREF TIAA Access Lfcyle Rtmt Inc T4 |
| TIAA and CREF TIAA Access Lg-Cap Gr T4 (TIMVX) |
| TIAA and CREF TIAA Access Lg-Cap Val T4 (TRSVX) |
| TIAA and CREF TIAA Access Lifecycle 2020 T4 (TCLTX) |
| TIAA and CREF TIAA Access Lifecycle 2025 T4 (TCLFX) |
| TIAA and CREF TIAA Access Lifecycle 2030 T4 (TCLNX) |
| TIAA and CREF TIAA Access Lifecycle 2035 T4 (TCLRX) |
| TIAA and CREF TIAA Access Lifecycle 2040 T4 (TCLOX) |
| TIAA and CREF TIAA Access Lifecycle 2045 T4 (TTFIX) |
| TIAA and CREF TIAA Access Lifecycle 2050 T4 (TFTIX) |
| TIAA and CREF TIAA Access Mid-Cap Gr T4 (TIMVX) |
| TIAA and CREF TIAA Access Mid-Cap Val T4 (TIMVX) |
| TIAA and CREF TIAA Access Quant Sml Cp Eq T4 |
| TIAA and CREF TIAA Access Real Est Secs T4 |
| TIAA and CREF TIAA Access Sm-Cap Bl Idx T4 (TRCGX) |
| TIAA and CREF TIAA Access Lg-Cap Res Eq T4 |
| TIAA and CREF Lifecycle Index 2015 Inst (TCLIX) |
| TIAA and CREF Lifecycle Index 2020 Inst (TCLTX) |
| TIAA and CREF Lifecycle Index 2025 Inst (TCLFX) |
| TIAA and CREF Lifecycle Index 2030 Inst (TCLNX) |
| TIAA and CREF Lifecycle Index 2035 Inst (TCLRX) |
| TIAA and CREF Lifecycle Index 2040 Inst (TCLOX) |
| TIAA and CREF Lifecycle Index 2045 Inst (TTFIX) |
| TIAA and CREF Lifecycle Index 2050 Inst (TFTIX) |
| TIAA and CREF Lifecycle Index 2055 Inst (TTRLX) |
| TIAA and CREF Lifecycle Index 2060 Inst (TLXHX) |
| TIAA and CREF Lifecycle Index 2065 Inst (TFIHX) |
| TIAA and CREF Lifecycle Index Rtln Inst (TCLEX) |
| TIAA and CREF CREF Stock R4 (TLSTX) |
| TIAA and CREF CREF Social Choice R4 (TISCX) |
| Vanguard 500 Idx Adm (VFINX) |
| Vanguard Mid-Cap Idx Adm (VIMSX) |
| Vanguard Small-Cap Idx Adm (VISVX) |
| Vanguard Ttl Bd Mkt Idx Adm (VTSSX) |
| Vanguard Ttl Intl Stk Idx Adm |
Investment model portfolios
We provide two types of investment model portfolios for RIVIER UNIVERSITY 403(B) 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 RIVIER UNIVERSITY 403(B) PLAN