ALBERT LEE, INC. 401(K) PLAN Investment Options
Available Funds in ALBERT LEE, INC. 401(K) PLAN
Below is the lineup of investment options available to participants in ALBERT LEE, INC. 401(K) PLAN. This typically includes a mix of mutual funds, index funds, and collective investment trusts (CITs) — which are pooled investment vehicles custom-built for large retirement plans, often with lower expense ratios than their retail mutual fund equivalents.
When evaluating these options, focus on expense ratios (lower is better), asset class coverage (U.S. stocks, international stocks, bonds, and stable value), and whether low-cost index funds are available. Research consistently shows that low-cost, broadly diversified index funds outperform most actively managed funds over the long term.
Total Available Funds: 109
| Investment Option List |
|---|
| AF American Balanced Fund Pooled separate account |
| JH Multimanager Growth LS Pooled separate account |
| JH Multimanager Balanced LS Pooled separate account |
| 500 Index Fund Pooled separate account |
| Blue Chip Growth Fund Pooled separate account (TRBCX) |
| JH Multimanager Aggressive LS Pooled separate account |
| T. Rowe Price Sci & Tech Pooled separate account |
| Science & Technology Fund Pooled separate account |
| T. Rowe Price Health Sci Pooled separate account (PRHSX) |
| Invesco Developing Markets Pooled separate account (GTDIX) |
| JH Multimanager Moderate LS Pooled separate account |
| Mid Cap Index Fund Pooled separate account (DPAGX) |
| JPMorgan MidCap Value Fund Pooled separate account |
| American Funds EUPAC Fund Pooled separate account |
| JPMorgan U.S. Equity Fund Pooled separate account (GSUPX) |
| American Century Heritage Pooled separate account (ACILX) |
| John Hancock Disciplined Value Pooled separate account (JVLIX) |
| John Hancock U.S. Growth Fund Pooled separate account (GSUPX) |
| John Hancock Mid Cap Growth Pooled separate account (JACEX) |
| JH Multimanager Conserv LS Pooled separate account |
| Vanguard Explorer Fund Pooled separate account (VINEX) |
| AF The Growth Fund of America Pooled separate account |
| Vanguard Energy Fund Pooled separate account (VGENX) |
| DFA U.S. Small Cap Fund Pooled separate account |
| Fundamental Large Cap Value Pooled separate account (JFVAX) |
| Vanguard Small Cap Grow Index Pooled separate account (VISVX) |
| Invesco Small Cap Growth Pooled separate account (GTSVX) |
| MFS Utilities Fund Pooled separate account (MMUIX) |
| T. Rowe Price Equity Inc Pooled separate account (PRFDX) |
| Invesco Global Fund Pooled separate account |
| Fundamental All Cap Core Fund Pooled separate account (JFCAX) |
| Small Cap Value Fund Pooled separate account (VISVX) |
| Strategic Income Opp Fund Pooled separate account |
| Investment Company of America Pooled separate account (GSCPX) |
| Intl Equity Index Fund Pooled separate account |
| Small Cap Stock Fund Pooled separate account (FSLCX) |
| John Hancock High Yield Fund Pooled separate account (JIHDX) |
| Small Cap Index Fund Pooled separate account (DPSGX) |
| Real Est. Securities Fund Pooled separate account |
| New Opportunities Fund Pooled separate account (TWNOX) |
| Washington Mutual Investors Pooled separate account (RWMFX) |
| Franklin Small-Mid Growth Pooled separate account (FSGAX) |
| 3-Year Compound Pooled separate account |
| PIMCO Real Return Pooled separate account (PRLPX) |
| Financial Industries Fund Pooled separate account |
| T. Rowe Price Spectrum Inc Pooled separate account (TSINX) |
| BlackRock Global Allocation Pooled separate account (MGJAX) |
| Franklin Mutual Beacon Fund Pooled separate account (BEGRX) |
| Templeton Foreign Smaller Co Pooled separate account (FTFAX) |
| ClearBridge Growth Fund Pooled separate account |
| Royce Small-Cap Opportunity Pooled separate account |
| Templeton World Pooled separate account (TWDAX) |
| Invesco EQV Intl Equity Fund Pooled separate account |
| JH Disciplined Value Intl Fund Pooled separate account (JDIVX) |
| John Hancock JH Multimanager Conserv LS |
| John Hancock JH Multimanager Moderate LS (JABKX) |
| John Hancock JH Multimanager Balanced LS (JABMX) |
| John Hancock JH Multimanager Growth LS (GOGIX) |
| John Hancock JH Multimanager Aggressive LS (JABQX) |
| John Hancock 3 Year Comp |
| John Hancock T. Rowe Price Spectrum Inc (TSINX) |
| John Hancock Strategic Income Opp Fund (JHSEX) |
| John Hancock PIMCO Real Return (JHRRX) |
| John Hancock High Yield Fund (JIHDX) |
| John Hancock MFS Utilities Fund (JEUTX) |
| John Hancock BlackRock Global Allocation (MGJAX) |
| John Hancock American Balanced Fund (JABMX) |
| John Hancock Templeton World (TWDAX) |
| John Hancock Templeton Foreign Smaller Co (FTFAX) |
| John Hancock T. Rowe Price Equity Inc (JIEAX) |
| John Hancock JPMorgan U.S. Equity Fund (JIEAX) |
| John Hancock JH Disciplined Value Intl Fund (JDIVX) |
| John Hancock Disciplined Value (JVLIX) |
| John Hancock Invesco Global Fund (JHRRX) |
| John Hancock Invesco International Growth (GOGIX) |
| John Hancock Intl Equity (JIEAX) |
| John Hancock Fundamental Large Cap Value (JVFLX) |
| John Hancock Franklin Mutual Beacon Fund (BEGRX) |
| John Hancock ClearBridge Aggressive Growth (SAGYX) |
| John Hancock Washington Mutual Investors (RWMFX) |
| John Hancock Investment Company of America (TIUSX) |
| John Hancock EuroPacific Growth Fund (GOGIX) |
| John Hancock (JIHDX) |
| John Hancock Vanguard Small Cap Grow Index (JESIX) |
| John Hancock Vanguard Explorer Fund (VINEX) |
| John Hancock Vanguard Energy Fund (VGENX) |
| John Hancock T. Rowe Price Sci & Tech |
| John Hancock T. Rowe Price Health Sci (PRHSX) |
| John Hancock Small Cap Value Fund (JSCNX) |
| John Hancock Small Cap Stock Fund (JESIX) |
| John Hancock Small Cap (JESIX) |
| John Hancock Science & Technology Fund (JAFSX) |
| John Hancock Royce Opportunity (ROFIX) |
| John Hancock Real Est. Securities Fund (JADBX) |
| John Hancock New Opportunities Fund (JHSEX) |
| John Hancock Mid Cap (JHMSX) |
| John Hancock JPMorgan MidCap Value Fund (JEVLX) |
| John Hancock U.S. Growth Fund (GOGIX) |
| John Hancock Mid Cap Growth (JACEX) |
| John Hancock Invesco Small Cap Growth (GTSVX) |
| John Hancock Invesco Developing Markets (GTDIX) |
| John Hancock Fundamental All Cap Core Fund (JFLGX) |
| John Hancock Franklin Small-Mid Growth (FSGAX) |
| John Hancock Financial Industries Fund (JEFCX) |
| John Hancock DFA U.S. Small Cap Fund (JESIX) |
| John Hancock Capital Appreciation Fund (JCAVX) |
| John Hancock Blue Chip Growth Fund (JADZX) |
| John Hancock The Growth Fund of America (GOGIX) |
| John Hancock American Century Heritage (ACILX) |
How to Build a Smart Portfolio in Your 401(k)
Your investment lineup is only as good as how you use it. Here are the key steps to building a portfolio that works for your retirement goals:
- Know your risk tolerance and timeline. If you are decades from retirement, you can generally afford more stock exposure. Closer to retirement, you may want to shift toward bonds and stable value for capital preservation.
- Diversify across asset classes. Spread investments across U.S. stocks, international stocks, bonds, and possibly real estate or stable value. This reduces the impact of any single market downturn.
- Favor low-cost index funds. Even a 0.5% difference in annual fees compounds to tens of thousands of dollars over a 30-year career. If your plan offers an S&P 500 index fund or a total stock market index fund at low cost, that is typically a strong core holding.
- Consider a target-date fund if you prefer simplicity. Target-date funds automatically adjust your stock/bond allocation as you approach retirement, making them a solid one-fund solution for hands-off investors.
- Rebalance at least annually. Over time, your portfolio drifts from its target allocation as some assets outperform others. Rebalancing keeps your risk level consistent.
Learn more in our Four-Step Guide for 401(k) Retirement Investing, or use the Asset Allocation Calculator to find the right mix for your age and risk tolerance.
Model Asset Allocation Portfolios
Not sure how to allocate your investments? These model portfolios are built from core, broadly diversified asset classes using ultra-low-cost index funds. Choose a template that matches your risk tolerance, then adapt it to the specific funds available in ALBERT LEE, INC. 401(K) PLAN. See Asset Allocation Portfolio Templates for a detailed guide.
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Common | Inception |
|---|---|---|---|---|---|---|---|---|---|
| Four Core Asset Portfolio | 4.74% | 18.86% | 12.42% | 5.72% | 8.01% | 7.30% | 6.92% | … | … |
| Five Core Asset Portfolio | 4.70% | 18.79% | 12.38% | 5.55% | 7.97% | 7.19% | 6.94% | … | … |
| Three Core Asset Portfolio | 4.57% | 19.80% | 13.11% | 6.19% | 8.52% | 7.64% | 7.10% | … | … |
| Two Core Asset Portfolio | 3.87% | 19.18% | 13.68% | 6.85% | 9.34% | 8.84% | 7.95% | … | … |
| Yale Endowment Template | 5.35% | 17.45% | 11.87% | 5.56% | 8.33% | 7.96% | 7.55% | … | … |
| S&P 500 Index | 5.96% | 30.43% | 21.65% | 12.98% | 15.09% | 13.73% | 10.93% | … | … |
Data as of 05/01/2026, Common starting date is 12/31/2000
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Puzzled on what to invest?
- We ask a few questions to decide your personal return and risk expectations
- We build a custom portfolio for your plan (401(k), 403(b), 529 …) or for a brokerage account
- We monitor and send timely rebalance emails on what investment funds to buy and sell
Looking for ideas to generate income?
- ETF or mutual fund income portfolios for 4-7% annual income
- Dividend stock funds
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