Investment options of SPARK FUN ELECTRONICS INC 401K PLAN
Total Available Funds: 25
| Investment Description |
|---|
| (Held at End of Year) EIN: 20-1617837 PN: |
| PIMCO Income Instl |
| Pioneer Bond K |
| Vanguard Smcap Value Idx Adm |
| Vanguard Growth Index Adm |
| Vanguard Value Index Adm |
| Columbia Selig Tech & Info I3 |
| MFS Mid Cap Growth R6 |
| Principal PrincRipal Lifetime Hyb 2045 Z |
| Principal Lifetime Hyb 2050 Z |
| Principal Lifetime Hyb 2020 Z |
| Principal DPrincipal Lifetime Hyb 2025 Z |
| Principal Lifetime Hyb 2030 Z |
| Principal Lifetime Hyb 2035 Z |
| Principal Lifetime Hyb 2040 Z |
| Principal Lifetime Hyb 2055 Z |
| Principal Lifetime Hyb 2060 Z |
| Principal Lifetime Hyb 2065 Z |
| Principal Lifetime Hyb Inc Z |
| Fidelity 500 Index |
| Fidelity SM Cap Index |
| Fidelity Midcap Idx |
| Hartford Hartford Intl Opp R6 |
| T Rowe Price Troweprice Intg US Smcp GR 1 |
| Participants 4.25%, various maturity dates) |
Investment model portfolios
We provide two types of investment model portfolios for SPARK FUN ELECTRONICS INC 401K 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 SPARK FUN ELECTRONICS INC 401K PLAN