SPRING ARBOR MANAGEMENT 401(K) PLAN Investment Options
Available Funds in SPRING ARBOR MANAGEMENT 401(K) PLAN
Below is the lineup of investment options available to participants in SPRING ARBOR MANAGEMENT 401(K) PLAN. This typically includes a mix of mutual funds, index funds, and collective investment trusts (CITs) — which are pooled investment vehicles custom-built for large retirement plans, often with lower expense ratios than their retail mutual fund equivalents.
When evaluating these options, focus on expense ratios (lower is better), asset class coverage (U.S. stocks, international stocks, bonds, and stable value), and whether low-cost index funds are available. Research consistently shows that low-cost, broadly diversified index funds outperform most actively managed funds over the long term.
| 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 |
How to Build a Smart Portfolio in Your 401(k)
Your investment lineup is only as good as how you use it. Here are the key steps to building a portfolio that works for your retirement goals:
- Know your risk tolerance and timeline. If you are decades from retirement, you can generally afford more stock exposure. Closer to retirement, you may want to shift toward bonds and stable value for capital preservation.
- Diversify across asset classes. Spread investments across U.S. stocks, international stocks, bonds, and possibly real estate or stable value. This reduces the impact of any single market downturn.
- Favor low-cost index funds. Even a 0.5% difference in annual fees compounds to tens of thousands of dollars over a 30-year career. If your plan offers an S&P 500 index fund or a total stock market index fund at low cost, that is typically a strong core holding.
- Consider a target-date fund if you prefer simplicity. Target-date funds automatically adjust your stock/bond allocation as you approach retirement, making them a solid one-fund solution for hands-off investors.
- Rebalance at least annually. Over time, your portfolio drifts from its target allocation as some assets outperform others. Rebalancing keeps your risk level consistent.
Learn more in our Four-Step Guide for 401(k) Retirement Investing, or use the Asset Allocation Calculator to find the right mix for your age and risk tolerance.
Model Asset Allocation Portfolios
Not sure how to allocate your investments? These model portfolios are built from core, broadly diversified asset classes using ultra-low-cost index funds. Choose a template that matches your risk tolerance, then adapt it to the specific funds available in SPRING ARBOR MANAGEMENT 401(K) PLAN. See Asset Allocation Portfolio Templates for a detailed guide.
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Common | Inception |
|---|---|---|---|---|---|---|---|---|---|
| Four Core Asset Portfolio | 4.74% | 18.86% | 12.42% | 5.72% | 8.01% | 7.30% | 6.92% | … | … |
| Five Core Asset Portfolio | 4.70% | 18.79% | 12.38% | 5.55% | 7.97% | 7.19% | 6.94% | … | … |
| Three Core Asset Portfolio | 4.57% | 19.80% | 13.11% | 6.19% | 8.52% | 7.64% | 7.10% | … | … |
| Two Core Asset Portfolio | 3.87% | 19.18% | 13.68% | 6.85% | 9.34% | 8.84% | 7.95% | … | … |
| Yale Endowment Template | 5.35% | 17.45% | 11.87% | 5.56% | 8.33% | 7.96% | 7.55% | … | … |
| S&P 500 Index | 5.96% | 30.43% | 21.65% | 12.98% | 15.09% | 13.73% | 10.93% | … | … |
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Puzzled on what to invest?
- We ask a few questions to decide your personal return and risk expectations
- We build a custom portfolio for your plan (401(k), 403(b), 529 …) or for a brokerage account
- We monitor and send timely rebalance emails on what investment funds to buy and sell
Looking for ideas to generate income?
- ETF or mutual fund income portfolios for 4-7% annual income
- Dividend stock funds
- Passive real estate investments
- more …
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