Habersham Bancorp 401(k) Plan
Investment Model Portfolios
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 |
|
The following is a moderate-risk model portfolio constructed from the investment options of Habersham Bancorp 401(k) Plan.
This portfolio is proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation. We offer customization features, allowing subscribers to tailor the portfolio to align with their own risk tolerance and return expectations by changing risk profile parameter.
Our model portfolio is rooted in the MyPlanIQ Asset Allocation Composite (AAC) strategy. This dynamic (tactical) asset allocation and quantitative fund selection algorithm prioritize risk management by dynamically adjusting stock allocations based on prevailing asset momentum. Extensive research has shown that this momentum-based tactical approach can potentially reduce temporary losses while maintaining or outperforming traditional buy-and-hold strategies.
Both historical back test and real-time portfolio return and risk data are shown in the table on this page. These metrics are compared with stock and moderate allocation index funds.
Furthermore, subscribers have the option to explore alternative strategies such as Strategic Asset Allocation Optimal (SAA) and Tactical Asset Allocation (TAA) to further customize their model portfolio. See our investment methodology for more details on the investment strategies