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California State Teachers Retirement Plan 2016

California State Teachers Retirement Plan 2016

40/60

40% Equity
 

U.S. Large-Cap Growth
9%  Vanguard Institutional Index
U.S. Small-Cap Blend
9%  Vanguard Small Cap Index
International Large-Cap Growth
7%  Vanguard Developed Markets
International Small-Cap Growth
7%  DFA International Small Co
Emerging Markets
4%  Vanguard Emerging Markets
REITs
4%  Vanguard REIT Index

60% Fixed Income

Intermediate-Term Bond
45% Vanguard Total Bond
TIPS
15% Vanguard Inflation Protected Sec

 

60/40

60% Equity

U.S. Large-Cap Growth
13%  Vanguard Institutional Index
U.S. Small-Cap Blend
14%  Vanguard Small Cap Index
International Large-Cap Growth
10%  Vanguard Developed Markets
International Small-Cap Growth
11%  DFA International Small Co
Emerging Markets
6%  Vanguard Emerging Markets
REITs
6%  Vanguard REIT Index 

40% Fixed Income

Intermediate-Term Bond
30% Vanguard Total Bond
TIPS
10% Vanguard Inflation Protected Sec

80/20

80% Equity

U.S. Large-Cap Growth
18%  Vanguard Institutional Index
U.S. Small-Cap Blend
18%  Vanguard Small Cap Index
International Large-Cap Growth
14%  Vanguard Developed Markets
International Small-Cap Growth
14%  DFA International Small Co
Emerging Markets
8%  Vanguard Emerging Markets
REITs
8%  Vanguard REIT Index 

20% Fixed Income

Intermediate-Term Bond
15% Vanguard Total Bond
TIPS
5% Vanguard Inflation Protected Sec

The following asset classes are missing from this portfolio:
U.S. Large Cap Value
U.S. Small Cap Value
Int'l Large-Cap Value

Int'l Small-Cap Value
 

You should try to invest in as many of these asset classes as possible through IRA or individual taxable accounts to arrive at a portfolio that comes close to the chart below:

401411-allocation chart.png