Investment options of ALMON, INC. 401(K) PLAN
Total Available Funds: 56
| Investment Option List |
|---|
| John Hancock Multimanager 2065 Lifetime (JAAWX) |
| John Hancock Multimanager 2060 Lifetime (JHBKX) |
| John Hancock Multimanager 2055 Lifetime (JHBJX) |
| John Hancock Multimanager 2050 Lifetime (JHBFX) |
| John Hancock Multimanager 2045 Lifetime (JHBEX) |
| John Hancock Multimanager 2040 Lifetime (JHBAX) |
| John Hancock Multimanager 2030 Lifetime (JHAVX) |
| John Hancock Multimanager Aggressive Lifestyle (JABQX) |
| John Hancock Multimanager Growth Lifestyle (JABPX) |
| John Hancock Multimanager Balanced Lifestyle (JABMX) |
| John Hancock Multimanager Moderate Lifestyle (JABKX) |
| John Hancock Multimanager Conservative Lifestyle (JABJX) |
| John Hancock American Century Heritage Fund (ACILX) |
| John Hancock Financial Industries Fund (JEFCX) |
| John Hancock Franklin Small-Mid Growth Fund (FSGAX) |
| John Hancock Invesco Small Cap Growth Fund (GTSVX) |
| John Hancock Mid Cap Growth Fund (JACEX) |
| John Hancock Mid Cap (JHMSX) |
| John Hancock Mid Value Fund (JMVNX) |
| John Hancock New Opportunities Fund (JHSEX) |
| John Hancock Royce Opportunity Fund (ROFIX) |
| John Hancock Science & Technology Fund (JAFSX) |
| John Hancock Small Cap (JESIX) |
| John Hancock Small Cap Stock Fund (JESIX) |
| John Hancock Small Cap Value Fund (JSCNX) |
| John Hancock T. Rowe Price Health Sciences Fund (PRHSX) |
| John Hancock T. Rowe Price Science and Technology Fund (JAFSX) |
| John Hancock Vanguard Energy Fund (VGENX) |
| John Hancock (JIHDX) |
| John Hancock EuroPacific Growth Fund (GOGIX) |
| John Hancock The Growth Fund of America (GOGIX) |
| John Hancock The Investment Company of America (TIUSX) |
| John Hancock Washinton Mutual Investors Fund (XJHIX) |
| John Hancock Blue Chip Growth Fund (JADZX) |
| John Hancock Capital Appreciation Fund (JCAVX) |
| John Hancock Legg Mason ClearBridge Aggressive Growth Fund (SBLBX) |
| John Hancock Domini Impact Equity Fund (DSEFX) |
| John Hancock Franklin Mutual Beacon Fund (BEGRX) |
| John Hancock Franklin Mutual Global Discovery Fund (MDISX) |
| John Hancock Fundamental All Cap Core Fund (JFLGX) |
| John Hancock Fundamental Large Cap Value (JVFLX) |
| John Hancock International Equity (JIEAX) |
| John Hancock Invesco Oppenheimer Global Fund (JHRRX) |
| John Hancock Disciplined Value Fund (JVLIX) |
| John Hancock U.S. Growth Fund (GOGIX) |
| John Hancock JPMorgan U.S. Equity Fund (JIEAX) |
| John Hancock T. Rowe Price Equity Income Fund (PRFDX) |
| John Hancock Templeton Institutional Foreign Smaller Companies Fund (FTFAX) |
| John Hancock Templeton World Fund (TWDAX) |
| John Hancock American Balanced Fund (JABMX) |
| John Hancock BlackRock Global Allocation Fund (MGJAX) |
| John Hancock MFS Utilities Fund (JEUTX) |
| John Hancock PIMCO All Asset Fund (PAUIX) |
| John Hancock High Yield Fund (JIHDX) |
| John Hancock Bond Fund (TIUSX) |
| ranging from 4.25% to 9.50% – |
Investment model portfolios
We provide two types of investment model portfolios for ALMON, 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 ALMON, INC. 401(K) PLAN