Investment options of SENSIS, INC. 401(K) PLAN
Total Available Funds: 49
| Investment Option List |
|---|
| JH Multimanager 2065 Lifetime Pooled Separate Account (JAAWX) |
| JH Multimanager 2060 Lifetime Pooled Separate Account |
| JH Multimanager 2055 Lifetime Pooled Separate Account |
| JH Multimanager 2050 Lifetime Pooled Separate Account |
| JH Multimanager 2045 Lifetime Pooled Separate Account |
| JH Multimanager 2040 Lifetime Pooled Separate Account |
| JH Multimanager 2035 Lifetime Pooled Separate Account |
| JH Multimanager 2030 Lifetime Pooled Separate Account |
| JH Multimanager Balanced LS Pooled Separate Account |
| American Century Heritage Pooled Separate Account (ACILX) |
| Fidelity ContraFund Pooled Separate Account (FCNTX) |
| Franklin Small-Mid Growth Pooled Separate Account (FSGAX) |
| T.Rowe Price Sml Cap Val Pooled Separate Account (TRIVX) |
| Vanguard Mid-Cap Value ETF Pooled Separate Account (VMVIX) |
| Vanguard Small Cap Value Index Pooled Separate Account (VISVX) |
| American Funds EUPAC Fund Pooled Separate Account |
| Washington Mutual Investors Pooled Separate Account (RWMFX) |
| Intl Equity Index Fund Pooled Separate Account |
| iShares MSCI EAFE Value ETF Pooled Separate Account (BTMPX) |
| T.Rowe Price Equity Inc Pooled Separate Account (PRFDX) |
| PIMCO Intl Bond USD-Hedged Pooled Separate Account |
| PIMCO Real Return Pooled Separate Account (PRLPX) |
| T.Rowe Price Spectrum Inc Pooled Separate Account (TSINX) |
| JH 3-Year Compound Guaranteed Interest Account |
| JH 5-Year Compound Guaranteed Interest Account |
| maturing through August 2029 – |
| John Hancock USA JH Multimanager 2065 Lifetime (JAAWX) |
| John Hancock USA JH Multimanager 2060 Lifetime (JHBKX) |
| John Hancock USA JH Multimanager 2055 Lifetime (JHBJX) |
| John Hancock USA JH Multimanager 2050 Lifetime (JHBFX) |
| John Hancock USA JH Multimanager 2045 Lifetime (JHBEX) |
| John Hancock USA JH Multimanager 2040 Lifetime (JHBAX) |
| John Hancock USA JH Multimanager 2035 Lifetime (JHAYX) |
| John Hancock USA JH Multimanager 2030 Lifetime (JHAVX) |
| John Hancock USA JH Multimanager Balanced LS |
| John Hancock USA American Century Heritage (ACILX) |
| John Hancock USA Fidelity ContraFund (FCNTX) |
| John Hancock USA Franklin Small-Mid Growth (FSGAX) |
| John Hancock USA T. Rowe Price Sml Cap Val (TRIVX) |
| John Hancock USA Vanguard Mid-Cap Value (JVMRX) |
| John Hancock USA Vanguard Small Cap Value Index (JSCNX) |
| John Hancock USA American Funds EuroPac Growth (JIGHX) |
| John Hancock USA Washington Mutual Investors (RWMFX) |
| John Hancock USA Intl Equity (JDIVX) |
| John Hancock USA iShares MSCI EAFE Value (BTMPX) |
| John Hancock USA T. Rowe Price Equity Inc (JIEAX) |
| John Hancock USA PIMCO Intl Bond USD-Hedged (GLOAX) |
| John Hancock USA PIMCO Real Return (PRLPX) |
| John Hancock USA T. Rowe Price Spectrum Inc (TSINX) |
Investment model portfolios
We provide two types of investment model portfolios for SENSIS, 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 SENSIS, INC. 401(K) PLAN