Investment options of SPREETAIL 401(K) PLAN
Total Available Funds: 51
| Investment Description |
|---|
| Dimensional Fund Advisors DFA Emerging Markets Core EQ |
| Dimensional Fund Advisors DFA US Targeted Value Class I |
| Dodge & Cox Dodge & Cox Income X |
| JPMorgan JP Morgan International Equity Fund R6 |
| JPMorgan JP Morgan Large Cap Growth R6 |
| Victory Capital Management Inc. Victory Syc Est Value R6 |
| Vanguard FTSE Social Index Adm |
| Vanguard Inflation Protected Adm |
| Vanguard Short Term Bond Index Adm |
| Vanguard Target Retirement 2020 |
| Vanguard Target Retirement 2025 |
| Vanguard Target Retirement 2030 |
| Vanguard Target Retirement 2035 |
| Vanguard Target Retirement 2040 |
| Vanguard Target Retirement 2045 |
| Vanguard Target Retirement 2050 |
| Vanguard Target Retirement 2055 |
| Vanguard Target Retirement 2060 |
| Vanguard Target Retirement 2065 |
| Vanguard Target Retirement 2070 |
| Vanguard Target Retirement Income |
| Great Gary Trust Company MFS Mid Cap Growth Fund Class S |
| Putnam Fiduciary Trust Company LLC Putnam Large Cap Value IA |
| State Street Global Advisors Trust Company SSGA S&P 500 Index SL Series II |
| State Street Global Advisors Trust Company State Street Russell Small Cap Index II |
| State Street Global Advisors Trust Company State Street Mid Cap Index SL XIV |
| SEI Trust Company Wasatch Core Growth CIT A |
| interest from 4.25% to 9.50% |
| DFA EMERGING MARKETS CORE EQ Registered Investment Company |
| DFA U.S. TARGETED VALUE CL I Registered Investment Company |
| DODGE & COX INCOME X Registered Investment Company |
| JPMORGAN INTL EQT FD CL R6 Registered Investment Company |
| JPMORGAN LARGE CAP GROWTH R6 Registered Investment Company |
| VANGUARD FTSE SOCIAL IDX ADM Registered Investment Company |
| VANGUARD INFLATION PROTECT ADM Registered Investment Company |
| VANGUARD SHORT TERM BD IDX ADM Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2020 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2025 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2030 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2035 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2040 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2045 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2050 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2055 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2060 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2065 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2070 Registered Investment Company |
| VANGUARD TARGET RETMT INCOME Registered Investment Company |
| VANGUARD TOT INTL STK IDX ADM Registered Investment Company |
| VANGUARD TTL BOND MKT IDX ADM Registered Investment Company |
| VICTORY SYC EST VALUE R6 Registered Investment Company |
Investment model portfolios
We provide two types of investment model portfolios for SPREETAIL 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 SPREETAIL 401(K) PLAN