Investment options of RURAL KING 401(K) PLAN
Total Available Funds: 28
| Investment Description |
|---|
| John Hancock USA Carillon Eagle Mid Cap Growth |
| John Hancock USA Inv Small Cap Growth Fund |
| John Hancock USA |
| John Hancock USA Capital Appreciation Fund |
| John Hancock USA DFA U.S. Targeted Value Fund |
| John Hancock USA DFA International Value Fund |
| John Hancock USA American Funds 2010 TD |
| John Hancock USA American Funds 2015 TD |
| John Hancock USA American Funds 2020 TD |
| John Hancock USA American Funds 2025 TD |
| John Hancock USA American Funds 2030 TD |
| John Hancock USA American Funds 2035 TD |
| John Hancock USA American Funds 2040 TD |
| John Hancock USA American Funds 2045 TD |
| John Hancock USA American Funds 2050 TD |
| John Hancock USA American Funds 2055 TD |
| John Hancock USA American Funds 2060 TD |
| John Hancock USA American Funds 2065 TD |
| John Hancock USA Mid Cap |
| John Hancock USA Small Cap |
| John Hancock USA American Balanced Fund |
| John Hancock USA Am Cent Inflation-Adjusted Bond Fund |
| John Hancock USA EuroPacific Growth Fund |
| John Hancock USA Vanguard Mid-Cap Value ETF Fund |
| John Hancock USA Disciplined Value Fund |
| John Hancock USA Vanguard Short-Term Federal |
| John Hancock USA Capital World Growth and Income Fund |
| Notes receivable from participants |
Investment model portfolios
We provide two types of investment model portfolios for RURAL KING 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 RURAL KING 401(K) PLAN