Investment options of SPRING ARBOR MANAGEMENT 401(K) PLAN
Total Available Funds: 55
| Investment Description |
|---|
| T. Rowe Price Retirement 2025 Fund – |
| T. Rowe Price Retirement 2035 Fund – |
| T. Rowe Price Retirement 2040 Fund – |
| T. Rowe Price Retirement 2020 Fund – |
| T. Rowe Price Retirement 2050 Fund – |
| T. Rowe Price Retirement 2045 Fund – |
| T. Rowe Price Retirement 2055 Fund – |
| Fidelity 500 Index Fund – |
| T. Rowe Price Retirement 2060 Fund – |
| Vanguard Mid-Cap Index Fund – |
| PIMCO Real Return Institutional Class – |
| T. Rowe Price Retirement 2065 Fund – |
| Fidelity U.S. Bond Index Fund – |
| T. Rowe Price Retirement 2015 Fund – |
| JP Morgan Large Cap Growth Fund R6 – |
| Fidelity Balanced Fund Class K – |
| Hartford Midcap Fund Class R6 – |
| Vanguard Small-Cap Index Fund – |
| T. Rowe Price Overseas Stock I Fund – |
| American New World R6 Fund – |
| Vanguard Equity Income Fund – |
| T. Rowe Price Retirement 2010 Fund – |
| Vanguard Selected Value Fund Investor Shares – |
| Vanguard Small Cap Growth Index Fund – |
| T. Rowe Price Retirement Balanced Fund – |
| 1TRRIX 2,483.55 |
| 1TRRAX 27,391.82 |
| 1TRRGX 96,301.33 |
| 1TRRBX 910,282.64 |
| 1TRRHX 1,394,692.52 |
| 1TRRCX 1,915,323.14 |
| 1TRRJX 1,281,358.73 |
| 1TRRDX 939,039.33 |
| 1TRRKX 624,703.24 |
| 1TRRMX 683,687.43 |
| 1TRRNX 511,130.68 |
| 1TRRLX 324,169.47 |
| 1TRSJX 187,832.11 |
| 1RNWGX 46,307.89 |
| 1TROIX 49,431.55 |
| 1VTIAX 102,325.94 |
| 1VGSLX 26,544.61 |
| 1VSGAX 7,472.72 |
| 1VSMAX 46,761.76 |
| 1OTCKX 57,648.08 |
| 1VIMAX 240,214.41 |
| 1VASVX 19,643.38 |
| 1FXAIX 447,347.51 |
| 1JLGMX 83,657.65 |
| 1VEIRX 41,566.86 |
| 1FBAKX 73,289.09 |
| 1FXNAX 108,751.65 |
| 1PRRIX 218,238.14 |
| 1FDMIP 157,284.32 |
| FORFEITURES 1,073.60 |
Investment model portfolios
We provide two types of investment model portfolios for SPRING ARBOR MANAGEMENT 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 SPRING ARBOR MANAGEMENT 401(K) PLAN