Investment options of SPARKSOFT CORPORATION 401(K) PLAN
Total Available Funds: 37
| Investment Description |
|---|
| INVESCO ACTIVE ALLOCATION FUND |
| INVESCO SELECT RISK MOD INVESTOR FUND |
| INVESCO RISING DIVIDENDS FUND |
| INVESCO GLOBAL OPPORTUNITIES FUND |
| INVESCO GOLD & SPECIAL MINERALS FUND |
| AMERICAN FUNDS AMERICAN BALANCED FUND |
| AMERICAN FUNDS CAPITAL INCOME BUILDER FUND |
| AMERICAN FUNDS EUROPAC GROWTH FUND |
| AMERICAN FUNDS FUNDAMENTAL INVESTORS FUND |
| AMERICAN FUNDS INCOME FUND OF AMERICA |
| AMERICAN FUNDS MID CAP INDEX FUND |
| AMERICAN FUNDS SMALL CAP INDEX FUND |
| *JOHN HANCOCK 500 INDEX FUND |
| *JOHN HANCOCK MID CAP INDEX FUND |
| *JOHN HANCOCK STABLE VALUE FUND |
| *JH MULTIMANAGER 2030 LIFETIME FUND |
| *JH MULTIMANAGER 2035 LIFETIME FUND |
| *JH MULTIMANAGER 2040 LIFETIME FUND |
| *JH MULTIMANAGER 2045 LIFETIME FUND |
| *JH MULTIMANAGER 2050 LIFETIME FUND |
| *JH MULTIMANAGER 2060 LIFETIME FUND |
| *JH MULTIMANAGER 2065 LIFETIME FUND |
| *JH MULTIMANAGER AGGRESSIVE LS FUND |
| *JH MULTIMANAGER BALANCED LS FUND |
| *JH MULTIMANAGER CONSERVATIVE LS FUND |
| *MFS UTILITIES FUND |
| PIMCO ALL ASSET FUND |
| ROYCE OPPORTUNITY FUND |
| T. ROWE PRICE EQUITY INCOME FUND |
| T. ROWE PRICE SMALL CAP VALUE FUND |
| TEMPLETON WORLD FUND |
| TEMPLETON FOREIGN SMALLER CO FUND |
| VANGUARD SMALL CAP GROWTH INDEX FUND |
| VANGUARD SMALL CAP VALUE INDEX FUND |
| VANGUARD MID-CAP VALUE ETF FUND |
| VANGUARD VALUE INDEX FUND |
| WASHINGTON MUTUAL INVESTORS FUND |
Investment model portfolios
We provide two types of investment model portfolios for SPARKSOFT CORPORATION 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 SPARKSOFT CORPORATION 401(K) PLAN