Investment options of SPENCER FANE RETIREMENT PLAN
Total Available Funds: 34
| Investment Description |
|---|
| NEW YORK LIFE ANCHOR ACCOUNT IV POOLED SEPARATE ACCOUNT |
| T ROWE PRICE RETIREMENT TRUST 2005 T4 COMMON COLLECTIVE TRUST |
| T ROWE PRICE RETIREMENT TRUST 2010 T4 COMMON COLLECTIVE TRUST |
| T ROWE PRICE RETIREMENT TRUST 2015 T4 COMMON COLLECTIVE TRUST |
| T ROWE PRICE RETIREMENT TRUST 2020 T4 COMMON COLLECTIVE TRUST |
| T ROWE PRICE RETIREMENT TRUST 2025 T4 COMMON COLLECTIVE TRUST |
| T ROWE PRICE RETIREMENT TRUST 2030 T4 COMMON COLLECTIVE TRUST |
| T ROWE PRICE RETIREMENT TRUST 2035 T4 COMMON COLLECTIVE TRUST |
| T ROWE PRICE RETIREMENT TRUST 2040 T4 COMMON COLLECTIVE TRUST |
| T ROWE PRICE RETIREMENT TRUST 2045 T4 COMMON COLLECTIVE TRUST |
| T ROWE PRICE RETIREMENT TRUST 2050 T4 COMMON COLLECTIVE TRUST |
| T ROWE PRICE RETIREMENT TRUST 2055 T4 COMMON COLLECTIVE TRUST |
| T ROWE PRICE RETIREMENT TRUST 2060 T4 COMMON COLLECTIVE TRUST |
| AMERICAN BALANCED FUND R6 MUTUAL FUND |
| AMERICAN BEACON SM CAP VALUE FUND R5 MUTUAL FUND |
| BLACKROCK MID CAP GROWTH PORT FUND K MUTUAL FUND |
| EUROPACIFIC GROWTH FUND R6 MUTUAL FUND |
| HARBOR CAPITAL APPRECIATION FUND MUTUAL FUND |
| JOHN HANCOCK DISCIPLINED VALUE MCP FUND R6 MUTUAL FUND |
| METROPOLITAN WEST TOTAL RETURN BOND FUND P MUTUAL FUND |
| MFS INTL INTRINSIC VALUE FUND R6 MUTUAL FUND |
| MFS VALUE FUND R6 MUTUAL FUND |
| PIMCO GLOBAL BOND OPPS USD HDGD I FUND MUTUAL FUND |
| PRINCIPAL REAL ESTATE SEC FUND R6 MUTUAL FUND |
| VANGUARD EXPLORER FUND ADMIRAL MUTUAL FUND |
| VANGUARD HIGH YIELD CORP FUND ADMIRAL MUTUAL FUND |
| VANGUARD INFLATION PROTECT FUND ADMIRAL MUTUAL FUND |
| VANGUARD INSTITUTIONAL INDEX FUND MUTUAL FUND |
| VANGUARD MID CAP INDEX FUND INSTL MUTUAL FUND |
| VANGUARD PRIMECAP FUND ADMIRAL MUTUAL FUND |
| VANGUARD SMALL CAP INDEX FUND INSTL MUTUAL FUND |
| VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND MUTUAL FUND |
| VANGUARD TOTAL BOND MARKET INDEX FUND MUTUAL FUND |
| VICTORY TRIVALENT INTL SMALL CAP I FUND MUTUAL FUND |
Investment model portfolios
We provide two types of investment model portfolios for SPENCER FANE 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 SPENCER FANE RETIREMENT PLAN