Investment options of CPPM RETIREMENT PLAN
Total Available Funds: 33
| Investment Description |
|---|
| from 8% to 10% |
| John Hancock USA JH Lifetime Blend 2060 CIT R2 |
| John Hancock USA JH Lifetime Blend 2055 CIT R2 |
| John Hancock USA JH Lifetime Blend 2050 CIT R2 |
| John Hancock USA JH Lifetime Blend 2045 CIT R2 |
| John Hancock USA JH Lifetime Blend 2040 CIT R2 |
| John Hancock USA JH Lifetime Blend 2035 CIT R2 |
| John Hancock USA JH Lifetime Blend 2030 CIT R2 |
| John Hancock USA JH Lifetime Blend 2025 CIT R2 |
| John Hancock USA JH Lifetime Blend 2010 CIT R2 |
| John Hancock USA AF The Growth Fund of America |
| John Hancock USA DFA U.S. Small Cap Fund |
| John Hancock USA Real Est. Securities Fund |
| John Hancock USA Small Cap |
| John Hancock USA T. Rowe Price Health Sci |
| John Hancock USA Vanguard Energy Fund |
| John Hancock USA Vanguard Growth |
| John Hancock USA Vanguard Mid-Cap Growth |
| John Hancock USA Vanguard Small Cap Grow Index |
| John Hancock USA Vanguard Small Cap Value Index |
| John Hancock USA |
| John Hancock USA American Funds EuroPac Growth |
| John Hancock USA Washington Mutual Investors |
| John Hancock USA BlackRock Large Cap Focus Val |
| John Hancock USA Intl Equity |
| John Hancock USA iShares MSCI EAFE Value |
| John Hancock USA John Hancock Disciplined Value |
| John Hancock USA PIMCO Commodity Real Return |
| John Hancock USA Vanguard Tot Wld Stk Index |
| John Hancock USA Vanguard Value |
| John Hancock USA BlackRock Global Allocation |
| John Hancock USA Floating Rate Income Fund |
| John Hancock USA Vanguard Short-Term Federal |
Investment model portfolios
We provide two types of investment model portfolios for CPPM RETIREMENT 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 CPPM RETIREMENT PLAN