Investment options of SPRI LTD. 401(K) PLAN
Total Available Funds: 35
| Investment Description |
|---|
| AMERICAN CENTURY MID CAP VALUE FUND – CLASS R6 |
| AMERICAN FUNDS AMERICAN MUTUAL FUND – CLASS R-6 |
| AMERICAN FUNDS NEW WORLD FUND – CLASS R-5 |
| COHEN & STEERS INSTITUTIONAL REALTY SHARES |
| COLUMBIA THREADNEEDLE MID CAP INDEX FUND – INSTITUTIONAL 2 CLASS |
| EATON VANCE EMERGING MARKETS DEBT OPPORTUNITIES FUND – |
| FIDELITY INVESTMENTS 500 INDEX FUND |
| FIDELITY INVESTMENTS ADVISOR GOVERNMENT INCOME FUND – CLASS I |
| FIDELITY INVESTMENTS ADVISOR INTERNATIONAL GROWTH FUND – CLASS I |
| FIDELITY INVESTMENTS ADVISOR INTERNATIONAL REAL ESTATE FUND – CLASS I |
| FIDELITY INVESTMENTS ADVISOR LIMITED TERM BOND FUND – CLASS I |
| FIDELITY INVESTMENTS ADVISOR TOTAL BOND FUND – CLASS I |
| FIDELITY INVESTMENTS GLOBAL EX U. S. INDEX FUND |
| FIDELITY INVESTMENTS GOVERNMENT MONEY MARKET FUND |
| FIDELITY INVESTMENTS JPMORGAN SMALL CAP VALUE FUND – CLASS R5 |
| FRANKLIN TEMPLETON DIVERSIFIED DIVIDEND FUND – CLASS Y |
| HENDERSON ENTERPRISE FUND – CLASS T |
| INVESCO DIVERSIFIED DIVIDEND FUND – CLASS Y |
| INVESCO WORLD BOND FACTOR FUND – CLASS R6 |
| JANUS HENDERSON ENTERPRISE FUND – CLASS T |
| LAZARD GLOBAL LISTED INFRASTRUCTURE PORTFOLIO – |
| PGIM HIGH YIELD FUND – CLASS R6 |
| PGIM JENNISON GROWTH FUND – CLASS R6 |
| PRINCIPAL FUNDS SMALLCAP FUND – CLASS R-5 |
| T. ROWE PRICE RETIREMENT 2010 FUND |
| T. ROWE PRICE RETIREMENT 2020 FUND |
| T. ROWE PRICE RETIREMENT 2025 FUND |
| T. ROWE PRICE RETIREMENT 2030 FUND |
| T. ROWE PRICE RETIREMENT 2035 FUND |
| T. ROWE PRICE RETIREMENT 2040 FUND |
| T. ROWE PRICE RETIREMENT 2045 FUND |
| T. ROWE PRICE RETIREMENT 2050 FUND |
| T. ROWE PRICE RETIREMENT 2055 FUND |
| T. ROWE PRICE RETIREMENT 2060 FUND |
| T. ROWE PRICE RETIREMENT BALANCED FUND |
Investment model portfolios
We provide two types of investment model portfolios for SPRI LTD. 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 SPRI LTD. 401(K) PLAN