Investment options of NEW SPS, LLC 401(K) PLAN
Total Available Funds: 34
| Investment Description |
|---|
| Fid Fdm Idx 2030 Ipr |
| Fid Fdm Idx 2035 Ipr |
| Fid Balanced |
| Fid 500 Index |
| Fid Fdm Idx 2040 Ipr |
| Fid Fdm Idx 2055 Ipr |
| Fid Fdm Idx 2050 Ipr |
| Fid Blue Chip Gr |
| Fid Fdm Idx 2025 Ipr |
| Fid Fdm Idx 2060 Ipr |
| Fid Fdm Idx 2045 Ipr |
| Fid Asset Mgr 85% |
| Victory S Estb Val A |
| Fid Asset Mgr 30% |
| Crln E Mid Cap Gr A |
| Bnym Dynamic Val I |
| Um Behavioral Val R4 |
| Fid Fdm Idx 2065 Ipr |
| Ft Behav Sm-Cpeq Is |
| Mfs Intl Growth R3 |
| Br Hlth Sci Opp Svc |
| Fid Fdm Idx 2020 Ipr |
| Bnym Ww Growth I |
| Am Cent Sm Cap Gr Iv |
| Fid Mid Cap Idx |
| American Balanced R4 |
| Pim Rae Emrg Mkt I |
| Fid Intl Small Cap |
| Fid Sm Cap Idx |
| Fid Fdm Idx 2010 Ipr |
| Blkrk Adv Intl K |
| Af Bond Fd Amer R6 |
| Dodge & Cox Glb Bd I |
| Galliard Stable Return Fund C |
Investment model portfolios
We provide two types of investment model portfolios for NEW SPS, LLC 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 NEW SPS, LLC 401(K) PLAN