Investment options of GRUBE, INC. 401(K) PLAN
Total Available Funds: 28
| Investment Option List |
|---|
| Allspring Special SMCAP VAL R6 Shares 184.928 |
| American Funds Europacific Growth Shares 1,111.506 (FEPUX) |
| DFA Inflation-Protected Securities Shares 276.222 (DIPSX) |
| Fidelity Emerging Markets FD Shares 953.888 (FMKIX) |
| MFS Mid Cap Value R6 Shares 298.004 (MCVIX) |
| MFS MID Cap Growth CL R6 Shares 2,345.392 (OTCIX) |
| Principal Blue Chip FD CL R6 Shares 11,372.201 |
| Vanguard Equity Inc FD Admiral SHS Shares 3,350.959 |
| Vanguard Mid Cap Index Shares 670.819 (VIMSX) |
| Vanguard REIT Index Shares 220.804 (VGSIX) |
| Vanguard Small Cap Growth Index Shares 2,706.480 (VISGX) |
| Vanguard Small Cap Index Shares 61.603 (VISVX) |
| Vanquard Target Retirement 2025 Shares 7,325.326 (VTTVX) |
| Vanguard Target Retirement 2030 Shares 134.371 (VTHRX) |
| Vanguard Target Retirement 2035 Shares 10,959.867 (VTTHX) |
| Vanguard Target Retirement 2040 Shares 91.097 (VFORX) |
| Vanquard Target Retirement 2045 Shares 31,074.668 (VTIVX) |
| Vanquard Target Retirement 2055 Shares 14,250.653 |
| Vanguard Target Retirement 2060 Shares 46.867 (VTTSX) |
| Vanguard Target Retirement 2065 Shares 3,063.969 (VSXFX) |
| Vanguard 500 Index FD Admiral Shares 84.683 (VFINX) |
| Virtus Seix High Yield Shares 60.446 (VMAKX) |
| SPA Aggressive Portfolio R6 Shares 24,749.885 |
| SPA Balanced Portfolio R6 Shares 20,130.452 |
| SPA Conservative Portfolio R6 Shares 15,386.461 |
| SPA Growth Portfolio R6 Shares 10,335.025 |
| SPA Moderate Portfolio R6 Shares 1,038.077 |
| 9.5% and maturing through |
Investment model portfolios
We provide two types of investment model portfolios for GRUBE, INC. 401(K) 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 GRUBE, INC. 401(K) PLAN