Investment options of ALBERT LEE, INC. 401(K) PLAN
Total Available Funds: 109
| Investment Option List |
|---|
| AF American Balanced Fund Pooled separate account |
| JH Multimanager Growth LS Pooled separate account |
| JH Multimanager Balanced LS Pooled separate account |
| 500 Index Fund Pooled separate account |
| Blue Chip Growth Fund Pooled separate account (TRBCX) |
| JH Multimanager Aggressive LS Pooled separate account |
| T. Rowe Price Sci & Tech Pooled separate account |
| Science & Technology Fund Pooled separate account |
| T. Rowe Price Health Sci Pooled separate account (PRHSX) |
| Invesco Developing Markets Pooled separate account (GTDIX) |
| JH Multimanager Moderate LS Pooled separate account |
| Mid Cap Index Fund Pooled separate account (DPAGX) |
| JPMorgan MidCap Value Fund Pooled separate account |
| American Funds EUPAC Fund Pooled separate account |
| JPMorgan U.S. Equity Fund Pooled separate account (GSUPX) |
| American Century Heritage Pooled separate account (ACILX) |
| John Hancock Disciplined Value Pooled separate account (JVLIX) |
| John Hancock U.S. Growth Fund Pooled separate account (GSUPX) |
| John Hancock Mid Cap Growth Pooled separate account (JACEX) |
| JH Multimanager Conserv LS Pooled separate account |
| Vanguard Explorer Fund Pooled separate account (VINEX) |
| AF The Growth Fund of America Pooled separate account |
| Vanguard Energy Fund Pooled separate account (VGENX) |
| DFA U.S. Small Cap Fund Pooled separate account |
| Fundamental Large Cap Value Pooled separate account (JFVAX) |
| Vanguard Small Cap Grow Index Pooled separate account (VISVX) |
| Invesco Small Cap Growth Pooled separate account (GTSVX) |
| MFS Utilities Fund Pooled separate account (MMUIX) |
| T. Rowe Price Equity Inc Pooled separate account (PRFDX) |
| Invesco Global Fund Pooled separate account |
| Fundamental All Cap Core Fund Pooled separate account (JFCAX) |
| Small Cap Value Fund Pooled separate account (VISVX) |
| Strategic Income Opp Fund Pooled separate account |
| Investment Company of America Pooled separate account (GSCPX) |
| Intl Equity Index Fund Pooled separate account |
| Small Cap Stock Fund Pooled separate account (FSLCX) |
| John Hancock High Yield Fund Pooled separate account (JIHDX) |
| Small Cap Index Fund Pooled separate account (DPSGX) |
| Real Est. Securities Fund Pooled separate account |
| New Opportunities Fund Pooled separate account (TWNOX) |
| Washington Mutual Investors Pooled separate account (RWMFX) |
| Franklin Small-Mid Growth Pooled separate account (FSGAX) |
| 3-Year Compound Pooled separate account |
| PIMCO Real Return Pooled separate account (PRLPX) |
| Financial Industries Fund Pooled separate account |
| T. Rowe Price Spectrum Inc Pooled separate account (TSINX) |
| BlackRock Global Allocation Pooled separate account (MGJAX) |
| Franklin Mutual Beacon Fund Pooled separate account (BEGRX) |
| Templeton Foreign Smaller Co Pooled separate account (FTFAX) |
| ClearBridge Growth Fund Pooled separate account |
| Royce Small-Cap Opportunity Pooled separate account |
| Templeton World Pooled separate account (TWDAX) |
| Invesco EQV Intl Equity Fund Pooled separate account |
| JH Disciplined Value Intl Fund Pooled separate account (JDIVX) |
| John Hancock JH Multimanager Conserv LS |
| John Hancock JH Multimanager Moderate LS (JABKX) |
| John Hancock JH Multimanager Balanced LS (JABMX) |
| John Hancock JH Multimanager Growth LS (GOGIX) |
| John Hancock JH Multimanager Aggressive LS (JABQX) |
| John Hancock 3 Year Comp |
| John Hancock T. Rowe Price Spectrum Inc (TSINX) |
| John Hancock Strategic Income Opp Fund (JHSEX) |
| John Hancock PIMCO Real Return (JHRRX) |
| John Hancock High Yield Fund (JIHDX) |
| John Hancock MFS Utilities Fund (JEUTX) |
| John Hancock BlackRock Global Allocation (MGJAX) |
| John Hancock American Balanced Fund (JABMX) |
| John Hancock Templeton World (TWDAX) |
| John Hancock Templeton Foreign Smaller Co (FTFAX) |
| John Hancock T. Rowe Price Equity Inc (JIEAX) |
| John Hancock JPMorgan U.S. Equity Fund (JIEAX) |
| John Hancock JH Disciplined Value Intl Fund (JDIVX) |
| John Hancock Disciplined Value (JVLIX) |
| John Hancock Invesco Global Fund (JHRRX) |
| John Hancock Invesco International Growth (GOGIX) |
| John Hancock Intl Equity (JIEAX) |
| John Hancock Fundamental Large Cap Value (JVFLX) |
| John Hancock Franklin Mutual Beacon Fund (BEGRX) |
| John Hancock ClearBridge Aggressive Growth (SAGYX) |
| John Hancock Washington Mutual Investors (RWMFX) |
| John Hancock Investment Company of America (TIUSX) |
| John Hancock EuroPacific Growth Fund (GOGIX) |
| John Hancock (JIHDX) |
| John Hancock Vanguard Small Cap Grow Index (JESIX) |
| John Hancock Vanguard Explorer Fund (VINEX) |
| John Hancock Vanguard Energy Fund (VGENX) |
| John Hancock T. Rowe Price Sci & Tech |
| John Hancock T. Rowe Price Health Sci (PRHSX) |
| John Hancock Small Cap Value Fund (JSCNX) |
| John Hancock Small Cap Stock Fund (JESIX) |
| John Hancock Small Cap (JESIX) |
| John Hancock Science & Technology Fund (JAFSX) |
| John Hancock Royce Opportunity (ROFIX) |
| John Hancock Real Est. Securities Fund (JADBX) |
| John Hancock New Opportunities Fund (JHSEX) |
| John Hancock Mid Cap (JHMSX) |
| John Hancock JPMorgan MidCap Value Fund (JEVLX) |
| John Hancock U.S. Growth Fund (GOGIX) |
| John Hancock Mid Cap Growth (JACEX) |
| John Hancock Invesco Small Cap Growth (GTSVX) |
| John Hancock Invesco Developing Markets (GTDIX) |
| John Hancock Fundamental All Cap Core Fund (JFLGX) |
| John Hancock Franklin Small-Mid Growth (FSGAX) |
| John Hancock Financial Industries Fund (JEFCX) |
| John Hancock DFA U.S. Small Cap Fund (JESIX) |
| John Hancock Capital Appreciation Fund (JCAVX) |
| John Hancock Blue Chip Growth Fund (JADZX) |
| John Hancock The Growth Fund of America (GOGIX) |
| John Hancock American Century Heritage (ACILX) |
Investment model portfolios
We provide two types of investment model portfolios for ALBERT LEE, INC. 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 ALBERT LEE, INC. 401(K) PLAN