Investment options of THE CENTER FOR DISCOVERY RETIREMENT PLAN
Total Available Funds: 36
| Investment Description |
|---|
| AMERICAN FUNDS AMERICAN FUNDS NEW WORLD R6 |
| BLACKROCK BLACKROCK MID-CAP GROWTH EQUITY INSTL |
| DIMENSIONAL DFA INFLATION PROTECTED SECURITIES I |
| FIDELITY FIDELITY 500 INDEX |
| FIDELITY FIDELITY LARGE CAP GROWTH INDEX |
| FIDELITY FIDELITY MID CAP INDEX |
| FIDELITY FIDELITY MULTI-ASSET INDEX |
| FROST FROST TOTAL RETURN BOND INST |
| GOLDMAN SACHS GOLDMAN SACHS GQG PTNRS INTL OPPS R6 |
| GUGGENHEIM GUGGENHEIM TOTAL RETURN BOND INSTL |
| HARTFORD HARTFORD DIVIDEND AND GROWTH R6 |
| JP MORGAN JPMORGAN SMALL CAP GROWTH R6 |
| PRUDENTIAL PGIM HIGH YIEL R6 |
| PIMCO PIMCO SHORT-TERM INSTL |
| PIMCO PIMCO STOCKSPLUS INTL (USD-HEDGED) INSTL |
| TIAA-CREF TIAA-CREF LIFECYCLE INDEX 2010 INST |
| TIAA-CREF TIAA-CREF LIFECYCLE INDEX 2015 INST |
| TIAA-CREF TIAA-CREF LIFECYCLE INDEX 2020 INST |
| TIAA-CREF TIAA-CREF LIFECYCLE INDEX 2025 INST |
| TIAA-CREF TIAA-CREF LIFECYCLE INDEX 2030 INST |
| TIAA-CREF TIAA-CREF LIFECYCLE INDEX 2035 INST |
| TIAA-CREF TIAA-CREF LIFECYCLE INDEX 2040 INST |
| TIAA-CREF TIAA-CREF LIFECYCLE INDEX 2045 INST |
| TIAA-CREF TIAA-CREF LIFECYCLE INDEX 2050 INST |
| TIAA-CREF TIAA-CREF LIFECYCLE INDEX 2055 INST |
| TIAA-CREF TIAA-CREF LIFECYCLE INDEX 2060 INST |
| VANGUARD VANGUARD BALANCED INDEX ADM |
| VANGUARD VANGUARD FTSE SOCIAL INDEX ADMIRAL |
| VANGUARD VANGUARD INTERNATIONAL GROWTH ADM |
| VANGUARD VANGUARD LONG TERM INVESTMENT GRADE ADM |
| VANGUARD VANGUARD MID CAP VALUE INDEX ADM |
| VANGUARD VANGUARD SMALL CAP INDEX ADM |
| VANGUARD VANGUARD SMALL CAP VALUE INDEX ADM |
| VANGUARD VANGUARD TOTAL INTL BOND IDX ADMIRAL |
| VANGUARD VANGUARD TREASURY MONEY MARKET INVESTOR |
| VANGUARD VANGUARD WELLESLEY INCOME ADM |
Investment model portfolios
We provide two types of investment model portfolios for THE CENTER FOR DISCOVERY 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 THE CENTER FOR DISCOVERY RETIREMENT PLAN