Habersham Bancorp 401(k) Plan
Investment Model Portfolios
Investment options of Habersham Bancorp 401(k) Plan
Total Available Funds: 53
| Asset Class |
Ticker
| Description |
| Others |
|
|
| Target Date 2041-2045 |
TTFRX |
JH Lifecycle 2045 |
| Target Date 2036-2040 |
TCLOX |
JH Lifecycle 2040 |
| Target Date 2031-2035 |
TCLRX |
JH Lifecycle 2035 |
| Target Date 2026-2030 |
TCLNX |
JH Lifecycle 2030 |
| Target Date 2021-2025 |
TCLFX |
JH Lifecycle 2025 |
| Target Date 2016-2020 |
TCLTX |
JH Lifecycle 2020 |
| Target Date 2011-2015 |
TCLIX |
JH Lifecycle 2015 |
| Target Date 2000-2010 |
TCLEX |
JH Lifecycle 2010 |
| Moderate Allocation |
JTSBX |
JH Lifestyle Balanced |
| Conservative Allocation |
JTLMX |
JH Lifestyle Moderate |
| Conservative Allocation |
JTLRX |
JH Lifestyle Conservative |
| Equity Energy |
VGENX |
JH Energy |
| Moderate Allocation |
PAAIX |
JH PIMCO All Asset |
| unknown |
unknown |
JH John Hancock Strategic Inc |
| Utilities |
MMUIX |
MFS Utilities |
| Technology |
PRSCX |
T.Rowe Price Sci & Tech |
| World Allocation |
MALOX |
BlackRock Global Allocation |
|
| US EQUITY |
|
|
| LARGE BLEND |
JTLAX |
JH Lifestyle Aggressive |
| LARGE BLEND |
JTLGX |
JH Lifestyle Growth |
| Small Growth |
BRUSX |
JH Bridgeway Ultra-Small Co |
| SMALL VALUE |
ROFIX |
JH Royce Opportunity |
| SMALL VALUE |
VISVX |
JH Small Cap Value Index |
| Mid-Cap Growth |
JIMSX |
Mid Cap Stock Fund |
| MID-CAP BLEND |
PESPX |
JH Dreyfus Structured Mid Cap |
| LARGE GROWTH |
SPFZX |
JH Jennison Growth |
| LARGE GROWTH |
FBGRX |
Blue Chip Growth Fund |
| LARGE VALUE |
MALVX |
JH BlackRock Large Value |
| SMALL BLEND |
FSOPX |
Small Cap Opportunities Fund |
| MID-CAP VALUE |
RMCIX |
JH RiverSource Mid Cap Value |
| LARGE VALUE |
BEGRX |
JH Mutual Beacon |
| LARGE BLEND |
ISFIX |
JH Davis New York Venture |
| LARGE VALUE |
RWMFX |
JH American Funds Wash Mutual |
| LARGE BLEND |
DSFRX |
Domini Social Equity |
| LARGE GROWTH |
RGAFX |
The Growth Fund of America |
| Mid-Cap Growth |
TWVIX |
American Century Vista |
| LARGE BLEND |
JEQAX |
Optimized All Cap Fund |
| LARGE BLEND |
RICFX |
Investment Company of America |
| LARGE VALUE |
UMBIX |
Columbia Value & Restructuring |
| SMALL BLEND |
DFSTX |
DFA U.S. Small Cap Fund |
| LARGE BLEND |
VFINX |
500 Index Fund |
| LARGE BLEND |
VLACX |
Large Cap Fund |
|
| INTERNATIONAL EQUITY |
|
|
| Foreign Large Value |
DFIVX |
JH DFA International Value |
| Foreign Large Blend |
RERFX |
EuroPacific Growth Fund |
| Foreign Large Blend |
AIMOX |
International Value Fund |
| WORLD STOCK |
OGLYX |
JH Oppenheimer Global |
| WORLD STOCK |
TWDAX |
JH Templeton World |
| WORLD STOCK |
MDISX |
JH Mutual Discovery |
|
| FIXED INCOME |
|
|
| High Yield Bond |
SHYOX |
JH LM Partners Glb High Yield |
| WORLD BOND |
PIGLX |
JH PIMCO Global Bond |
| Intermediate-Term Bond |
PTTRX |
JH PIMCO Total Return |
| Inflation-Protected Bond |
PRRIX |
JH PIMCO Real Return |
| SHORT GOVERNMENT |
STABLEVALUE |
JH Stable Val |
| Intermediate-Term Bond |
VBMFX |
Total Bond Market Fund |
|
Investment model portfolios
We provide two types of investment model portfolios for Habersham Bancorp 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.
