Investment options of AVANCE 401(K) PLAN
Total Available Funds: 36
| Investment Description |
|---|
| John Hancock Multimanager 2065 Lifetime |
| John Hancock Multimanager 2060 Lifetime |
| John Hancock Multimanager 2055 Lifetime |
| John Hancock Multimanager 2050 Lifetime |
| John Hancock Multimanager 2045 Lifetime |
| John Hancock Multimanager 2040 Lifetime |
| John Hancock Multimanager 2035 Lifetime |
| John Hancock Multimanager 2030 Lifetime |
| John Hancock Multimanager 2025 Lifetime |
| John Hancock Multimanager 2010 Lifetime |
| John Hancock Multimanager Aggressive LS |
| John Hancock Multimanager Growth LS |
| John Hancock Multimanager Balanced LS |
| John Hancock Multimanager Moderate LS |
| DFA U.S. Small Cap Fund |
| Fidelity ContraFund |
| Invesco Small Cap Growth |
| iShares Gold Trust ETF |
| John Hancock Disciplined Value Intl Fund |
| PIMCO Commodity Real Return |
| Vanguard Energy Fund |
| Vanguard Growth Index Fund |
| Vanguard Mid-Cap Growth ETF |
| Vanguard Mid-Cap Value ETF |
| Vanguard Small Cap Value Index |
| John Hancock 500 Index Fund |
| Capital World Growth & Income |
| Vanguard Value Index Fund |
| Washington Mutual Investors |
| DFA Inflation-Protected Sec |
| John Hancock Bond Fund |
| John Hancock Strategic Income Opp Fund |
| Vanguard Short-Term Federal |
| JPMorgan SMID Cap Fund |
| American Funds New Perspective |
| American Funds Capital World Bond Fund |
Investment model portfolios
We provide two types of investment model portfolios for AVANCE 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 AVANCE 401(K) PLAN