Investment options of SPEAR PHYSICAL THERAPY PLLC 401(K) PLAN
Total Available Funds: 30
| Investment Description |
|---|
| AMERICAN FUNDS GROWTH FUND OF AMERICA CLASS R6 MUTUAL FUNDS |
| COLUMBIA DIVIDEND INCOME FUND CLASS I3 MUTUAL FUNDS |
| DFA EMERGING MARKETS PORTFOLIO CLASS INSTITUTIONAL MUTUAL FUNDS |
| DFA REAL ESTATE SECURITIES PORTFOLIO CLASS INSTITUTIONAL MUTUAL FUNDS |
| DFA SHORT-TERM EXTENDED QUALITY PORTFOLIO CLASS INSTITUTIONAL MUTUAL FUNDS |
| DOUBLELINE CORE FIXED INCOME FUND CLASS I MUTUAL FUNDS |
| FIDELITY EXTENDED MARKET INDEX FUND MUTUAL FUNDS |
| FIDELITY FREEDOM 2020 FUND K6 MUTUAL FUNDS |
| FIDELITY FREEDOM 2025 FUND K6 MUTUAL FUNDS |
| FIDELITY FREEDOM 2030 FUND K6 MUTUAL FUNDS |
| FIDELITY FREEDOM 2035 FUND K6 MUTUAL FUNDS |
| FIDELITY FREEDOM 2040 FUND K6 MUTUAL FUNDS |
| FIDELITY FREEDOM 2045 FUND K6 MUTUAL FUNDS |
| FIDELITY FREEDOM 2050 FUND K6 MUTUAL FUNDS |
| FIDELITY FREEDOM 2055 FUND K6 MUTUAL FUNDS |
| FIDELITY FREEDOM 2060 FUND K6 MUTUAL FUNDS |
| FIDELITY FREEDOM 2065 FUND K6 MUTUAL FUNDS |
| FIDELITY INTERNATIONAL INDEX FUND MUTUAL FUNDS |
| FIDELITY LARGE CAP VALUE INDEX FUND MUTUAL FUNDS |
| FIDELITY TOTAL MARKET INDEX FUND MUTUAL FUNDS |
| FIDELITY US BOND INDEX FUND MUTUAL FUNDS |
| ISHARES MSCI TOTAL INTERNATIONAL INDEX FUND CLASS K MUTUAL FUNDS |
| ISHARES RUSSELL 1000 LARGE CAP INDEX FUND CLASS K MUTUAL FUNDS |
| ISHARES RUSSELL 2000 SC INDEX FUND CLASS K MUTUAL FUNDS |
| ISHARES S&P 500 INDEX FUND CLASS K MUTUAL FUNDS |
| JOHN HANCOCK EUROPEAN FOCUS N MUTUAL FUNDS |
| LINCOLN STABLE VALUE GUARANTEED INVESTMENT CONTRACT |
| OAKMARK INTERNATIONAL FUND CLASS INSTITUTIONAL MUTUAL FUNDS |
| THORNBURG LIMITED TERM INCOME FUND CLASS R6 MUTUAL FUNDS |
| VANGUARD INTERMEDIATE-TERM BOND INDEX FUND |
Investment model portfolios
We provide two types of investment model portfolios for SPEAR PHYSICAL THERAPY PLLC 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 SPEAR PHYSICAL THERAPY PLLC 401(K) PLAN