Investment options of CRITICAL SYSTEMS, INC. 401(K) PLAN
Total Available Funds: 20
| Investment Option List |
|---|
| John Hancock Lifetime Blend 2010 Cit R2 (JHANX) |
| John Hancock Lifetime Blend 2025 Cit R2 (JHAUX) |
| John Hancock Lifetime Blend 2030 Cit R2 (JHAVX) |
| John Hancock Lifetime Blend 2035 Cit R2 (JHAYX) |
| John Hancock Lifetime Blend 2040 Cit R2 (JHBAX) |
| John Hancock Lifetime Blend 2045 Cit R2 (JHBEX) |
| John Hancock Lifetime Blend 2050 Cit R2 (JHBFX) |
| John Hancock Lifetime Blend 2055 Cit R2 (JHBJX) |
| John Hancock Lifetime Blend 2060 Cit R2 (JHBKX) |
| John Hancock Lifetime Blend 2065 Cit R2 |
| John Hancock Templeton World (TWDAX) |
| John Hancock Core Bond Fund (JBOAX) |
| John Hancock AF American Balanced Fund (JABMX) |
| John Hancock (JIHDX) |
| John Hancock Pilgrim Jennison Mid Cap Growth (JACEX) |
| John Hancock AF Fundamental Investors (XJHIX) |
| John Hancock AF The Growth Fund of America (GOGIX) |
| John Hancock Vanguard Small Cap Grow Index (JESIX) |
| John Hancock Mutual Global Discovery Fund (MDISX) |
| John Hancock American Century Heritage Fund (ACILX) |
Investment model portfolios
We provide two types of investment model portfolios for CRITICAL SYSTEMS, 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 CRITICAL SYSTEMS, INC. 401(K) PLAN