Investment options of ORTHOCARE 401(K) AND PROFIT SHARING PLAN II
Total Available Funds: 35
| Investment Description |
|---|
| JOHN HANCOCK LIFE INS CO STABLE VALUE FUND A |
| JOHN HANCOCK LIFE INS CO BAIRD AGGREGATE BOND FUND INST A |
| JOHN HANCOCK LIFE INS CO DFA INFLATION-PROTECT SECS I A |
| JOHN HANCOCK LIFE INS CO FEDERATED INST HIGH YLD BD R6 A |
| JOHN HANCOCK LIFE INS CO FIDELITY US BOND INDEX FUND A |
| JOHN HANCOCK LIFE INS CO AMER TARGET 2010 FUND R6 A |
| JOHN HANCOCK LIFE INS CO AMER TARGET 2015 FUND R6 A |
| JOHN HANCOCK LIFE INS CO AMER TARGET 2020 FUND R6 A |
| JOHN HANCOCK LIFE INS CO AMER TARGET 2025 FUND R6 A |
| JOHN HANCOCK LIFE INS CO AMER TARGET 2030 FUND R6 A |
| JOHN HANCOCK LIFE INS CO AMER TARGET 2035 FUND R6 A |
| JOHN HANCOCK LIFE INS CO AMER TARGET 2040 FUND R6 A |
| JOHN HANCOCK LIFE INS CO AMER TARGET 2045 FUND R6 A |
| JOHN HANCOCK LIFE INS CO AMER TARGET 2050 FUND R6 A |
| JOHN HANCOCK LIFE INS CO AMER TARGET 2055 FUND R6 A |
| JOHN HANCOCK LIFE INS CO AMER TARGET 2060 FUND R6 A |
| JOHN HANCOCK LIFE INS CO DFA REAL ESTATE SECURITIES I A |
| JOHN HANCOCK LIFE INS CO FIDELITY 500 INDEX FUND A |
| JOHN HANCOCK LIFE INS CO TIAA- CREF LARGE CAP VAL INDEX INST A |
| JOHN HANCOCK LIFE INS CO VANGUARD EQUITY INCOME FUND ADM A |
| JOHN HANCOCK LIFE INS CO ISHARES RUSSELL 2000 SC INDEX K A |
| JOHN HANCOCK LIFE INS CO DFA US TARGETED VALUE PRT I A |
| JOHN HANCOCK LIFE INS CO FIDELITY MID CAP INDEX FUND A |
| JOHN HANCOCK LIFE INS CO GOLDMAN LG CAP GR INSIGHTS R6 A |
| JOHN HANCOCK LIFE INS CO TIAA- CREF LARGE CAP GROWTH INDEX I A |
| JOHN HANCOCK LIFE INS CO VANGUARD EXPLORER FUND ADM A |
| JOHN HANCOCK LIFE INS CO VANGUARD HEALTH CARE INDEX ADM A |
| JOHN HANCOCK LIFE INS CO VANGUARD MIDCAP GROWTH IND ADM A |
| JOHN HANCOCK LIFE INS CO VANGUARD MID- CAP VAL INDEX ADM A |
| JOHN HANCOCK LIFE INS CO VANGUARD SMALL GROWTH ADML A |
| JOHN HANCOCK LIFE INS CO VANGUARD SMALL CAP VAL IND (ADM) A |
| JOHN HANCOCK LIFE INS CO AMERICAN NEW PERSPECTIVE R6 A |
| JOHN HANCOCK LIFE INS CO ISHARES MSCI EAFE INTL INDEX K A |
| JOHN HANCOCK LIFE INS CO INVESCO OPP INTL GROWTH R6 A |
| JOHN HANCOCK LIFE INS CO BROKERAGE ACCOUNT A |
Investment model portfolios
We provide two types of investment model portfolios for ORTHOCARE 401(K) AND PROFIT SHARING PLAN II 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 ORTHOCARE 401(K) AND PROFIT SHARING PLAN II