Investment options of SPINUTECH 401(K) PLAN
Total Available Funds: 39
| Investment Description |
|---|
| Great Gray Trust Company Emerging Markets Fund Class R1 |
| Great Gray Trust Company Flexpath Index Aggressive 2035 R1 |
| Great Gray Trust Company Flexpath Index Aggressive 2045 R1 |
| Great Gray Trust Company Flexpath Index Aggressive 2055 R1 |
| Great Gray Trust Company Flexpath Index Conservative 2045 R1 |
| Great Gray Trust Company Flexpath Index Conservative 2055 R1 |
| Great Gray Trust Company Flexpath Index Moderate 2035 R1 |
| Great Gray Trust Company Flexpath Index Moderate 2045 R1 |
| Great Gray Trust Company Flexpath Index Moderate 2055 R1 |
| Great Gray Trust Company Large Cap Growth Fund Ii Fee Class R1 |
| Great Gray Trust Company Large Cap Value Fund Class R1 |
| Great Gray Trust Company Small Cap Growth Fund Class R1 |
| Great Gray Trust Company Flexpath Index Moderate Retire R1 |
| Great Gray Trust Company Small Cap Value Fund Ii Fee Class R1 |
| American Funds New Perspective R6 |
| Fidelity Investments Fidelity 500 Index |
| Fidelity Investments Fidelity International Index |
| 1R1F45C 3,873.64 |
| 1R1F55C 4,928.07 |
| 1R1FRTM 50,878.04 |
| 1R1F35M 495,512.29 |
| 1R1F45M 918,214.36 |
| 1R1F55M 1,939,040.18 |
| 1R1F35A 49,167.43 |
| 1R1F45A 87,745.40 |
| 1R1F55A 439,371.59 |
| 1RNPGX 191,443.89 |
| 1FSPSX 174,328.09 |
| 1EMFCR1 16,518.28 |
| 1DFREX 70,528.10 |
| 1ASTSG1 41,503.99 |
| 1SCVFF1 192,024.58 |
| 1FXAIX 1,435,605.13 |
| 1LCIIR1 47,534.60 |
| 1ASTLV1 222,626.41 |
| 1MPHQX 58,476.02 |
| 1VBTLX 146,880.73 |
| 1PCSV25 117,283.94 |
| FORFEITURES 4,450.13 |
Investment model portfolios
We provide two types of investment model portfolios for SPINUTECH 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 SPINUTECH 401(K) PLAN