Investment options of AUTO TRUST 401(K) PLAN
Total Available Funds: 58
| Investment Description |
|---|
| John Hancock New York |
| John Hancock New York Blue Chip Growth Fund |
| John Hancock New York AMG River Road Mid Cap Value |
| John Hancock New York Fidelity Investments New Insights Fund |
| John Hancock New York High Yield Fund |
| John Hancock New York PIMCO All Asset |
| John Hancock New York Invesco Opp Intl Growth Fund |
| John Hancock New York Invesco Small Cap Growth Fund |
| John Hancock New York Invest Company of America |
| John Hancock New York JH Lifetime Blend 2010 |
| John Hancock New York JH Lifetime Blend 2025 |
| John Hancock New York JH Lifetime Blend 2030 |
| John Hancock New York JH Lifetime Blend 2035 |
| John Hancock New York JH Lifetime Blend 2040 |
| John Hancock New York JH Lifetime Blend 2045 |
| John Hancock New York JH Lifetime Blend 2050 |
| John Hancock New York JH Lifetime Blend 2055 |
| John Hancock New York JH Lifetime Blend 2060 |
| John Hancock New York JH Lifetime Blend 2065 |
| John Hancock New York JH Multimanager Aggressive LS |
| John Hancock New York JH Multimanager Balanced LS |
| John Hancock New York JH Multimanager Conserv LS |
| John Hancock New York JH Multimanager Growth LS |
| John Hancock New York JH Multimanager Moderate LS |
| John Hancock New York JP Morgan Midcap Value Fund |
| John Hancock New York PGIM Jennison Midcap Growth Fund |
| John Hancock New York PIMCO Commodity Real Return Fund |
| John Hancock New York Real Est. Securities Fund |
| John Hancock New York Royce Opportunity |
| John Hancock New York Science and Technology Fund |
| John Hancock New York T. Rowe Price Health Sciences Fund |
| John Hancock New York T. Rowe Price Spectrum Inc. |
| John Hancock New York PIMCO Real Return |
| John Hancock New York Vanguard Growth |
| John Hancock New York Vanguard Small Cap Grow Index |
| John Hancock New York Vanguard Value |
| John Hancock New York Guaranteed Interest |
| Participants through August 2053 – |
| John Hancock New York Fidelity Adv New Insights |
| John Hancock New York Invesco Small Cap Growth |
| John Hancock New York Investment Company of America |
| John Hancock New York JH Lifetime Blend 2010 CIT R2 |
| John Hancock New York JH Lifetime Blend 2025 CIT R2 |
| John Hancock New York JH Lifetime Blend 2030 CIT R2 |
| John Hancock New York JH Lifetime Blend 2035 CIT R2 |
| John Hancock New York JH Lifetime Blend 2040 CIT R2 |
| John Hancock New York JH Lifetime Blend 2045 CIT R2 |
| John Hancock New York JH Lifetime Blend 2050 CIT R2 |
| John Hancock New York JH Lifetime Blend 2055 CIT R2 |
| John Hancock New York JH Lifetime Blend 2060 CIT R2 |
| John Hancock New York JH Lifetime Blend 2065 CIT R2 |
| John Hancock New York JPMorgan MidCap Value Fund |
| John Hancock New York PGIM Jennison Mid Cap Growth |
| John Hancock New York PIMCO Commodity Real Return |
| John Hancock New York Royce Small-Cap Opportunity |
| John Hancock New York Science & Technology Fund |
| John Hancock New York T Rowe Price Health Sci |
| John Hancock New York T. Rowe Price Spectrum Inc |
Investment model portfolios
We provide two types of investment model portfolios for AUTO TRUST 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 AUTO TRUST 401(K) PLAN