Investment options of SPINS 401(K) PLAN
Total Available Funds: 49
| Investment Description |
|---|
| American Century Emerging Markets |
| BlackRock High Yield Bond |
| DFA Commodity Strategy |
| DFA Emerging Markets |
| DFA Large Cap International |
| DFA US Large Cap International |
| Mass Mutual Premier Inf-Prot and Inc |
| Schwab S&P 500 Index |
| TIAA-CREF Social Choice Bond Instl |
| Vanguard Growth Index |
| Vanguard LifeStrategy Income |
| Vanguard Mid-Cap Growth Index |
| Vanguard Mid-Cap Value Index |
| Vanguard Small Cap Growth Index |
| Vanguard Small Cap Value Index |
| Transamerica LifeGoal 2025 Fund |
| Transamerica LifeGoal 2030 Fund |
| Transamerica LifeGoal 2035 Fund |
| Transamerica LifeGoal 2040 Fund |
| Transamerica LifeGoal 2045 Fund |
| Transamerica LifeGoal 2050 Fund |
| Transamerica LifeGoal 2055 Fund |
| Transamerica LifeGoal 2060 Fund |
| Transamerica LifeGoal Retirement Fund |
| Participants 4.25% to 9.5%; maturing from 2025 through 2050 |
| Transamerica Life Ins Co Transamerica Stbl Val Core Op |
| American Century Emerging Mkt R6 |
| Blackrock High Yield Bd Instl |
| Dimensional DFA Commodity Strategy |
| Dimensional DFA Emerging Mkts I |
| Dimensional DFA Lg Cap Intl I |
| Dimensional DFA US Lg Cap Val I |
| MassMutual MassMtl Infl-Prot and Inc I |
| Nuveen Social Choice Bd |
| Schwab Schwab S&P 500 Index |
| Vanguard Gr Index Adm |
| Vanguard LifeStrategy Inc Fund |
| Vanguard Mid-Cap Gr Index Admiral |
| Vanguard Mid-Cap Val Idx Admiral |
| Vanguard Small-Cap Gr |
| Vanguard Small-Cap Val |
| Transamerica Ret Solutions Corp Transamerica LifeGoal(SM) 2025 Fd |
| Transamerica Ret Solutions Corp Transamerica LifeGoal(SM) 2030 Fd |
| Transamerica Ret Solutions Corp Transamerica LifeGoal(SM) 2035 Fd |
| Transamerica Ret Solutions Corp Transamerica LifeGoal(SM) 2040 Fd |
| Transamerica Ret Solutions Corp Transamerica LifeGoal(SM) 2045 Fd |
| Transamerica Ret Solutions Corp Transamerica LifeGoal(SM) 2050 Fd |
| Transamerica Ret Solutions Corp Transamerica LifeGoal(SM) 2060 Fd |
| Transamerica Ret Solutions Corp Transamerica LifeGoal(SM) Rtmnt Fd |
Investment model portfolios
We provide two types of investment model portfolios for SPINS 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 SPINS 401(K) PLAN