Investment options of CRANIAL TECHNOLOGIES, INC. 401(K) PLAN
Total Available Funds: 37
| Investment Description |
|---|
| John Hancock Life Ins. Co. John Hancock Lifetime Blend 2010 CIT R2 |
| John Hancock Life Ins. Co. John Hancock Lifetime Blend 2025 CIT R2 |
| John Hancock Life Ins. Co. John Hancock Lifetime Blend 2030 CIT R2 |
| John Hancock Life Ins. Co. John Hancock Lifetime Blend 2035 CIT R2 |
| John Hancock Life Ins. Co. John Hancock Lifetime Blend 2040 CIT R2 |
| John Hancock Life Ins. Co. John Hancock Lifetime Blend 2045 CIT R2 |
| John Hancock Life Ins. Co. John Hancock Lifetime Blend 2050 CIT R2 |
| John Hancock Life Ins. Co. John Hancock Lifetime Blend 2055 CIT R2 |
| John Hancock Life Ins. Co. John Hancock Lifetime Blend 2060 CIT R2 |
| John Hancock Life Ins. Co. John Hancock Lifetime Blend 2065 CIT R2 |
| John Hancock Life Ins. Co. John Hancock Multi-Index Lifestyle Conservative |
| John Hancock Life Ins. Co. John Hancock Multi-Index Lifestyle Moderate |
| John Hancock Life Ins. Co. John Hancock Multi-Index Lifestyle Balanced |
| John Hancock Life Ins. Co. John Hancock Multi-Index Lifestyle Growth |
| John Hancock Life Ins. Co. John Hancock Multi-Index Lifestyle Aggressive |
| John Hancock Life Ins. Co. John Hancock Bond Fund |
| John Hancock Life Ins. Co. High Yield Fund |
| John Hancock Life Ins. Co. DFA Inflation-Protected Securities Fund |
| John Hancock Life Ins. Co. MI Thornbridge Global Opportunities Fund |
| John Hancock Life Ins. Co. Washington Mutual Investors Fund |
| John Hancock Life Ins. Co. Vanguard Value |
| John Hancock Life Ins. Co. Vanguard Growth |
| John Hancock Life Ins. Co. The Growth Fund of America |
| John Hancock Life Ins. Co. Opportunistic Fixed Income |
| John Hancock Life Ins. Co. New Perspective Fund |
| John Hancock Life Ins. Co. Mid Cap |
| John Hancock Life Ins. Co. Franklin Mutual Global Discovery Fund |
| John Hancock Life Ins. Co. Fidelity Advisor Diversified Stock Fund |
| John Hancock Life Ins. Co. |
| John Hancock Life Ins. Co. Vanguard Small Cap Value |
| John Hancock Life Ins. Co. Vanguard Small Cap Growth |
| John Hancock Life Ins. Co. Vanguard Mid-Cap Value |
| John Hancock Life Ins. Co. Vanguard Mid-Cap Growth |
| John Hancock Life Ins. Co. Small Cap |
| John Hancock Life Ins. Co. Franklin Small-Mid Cap Growth Fund |
| John Hancock Life Ins. Co. WisdomTree US MidCap Fund |
| John Hancock Life Ins. Co. DFA US Small Cap Fund |
Investment model portfolios
We provide two types of investment model portfolios for CRANIAL TECHNOLOGIES, 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 CRANIAL TECHNOLOGIES, INC. 401(K) PLAN