ALMON, INC. 401(K) PLAN Investment Options
Available Funds in ALMON, INC. 401(K) PLAN
Below is the lineup of investment options available to participants in ALMON, 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.
| Investment Option List |
|---|
| John Hancock Multimanager 2065 Lifetime (JAAWX) |
| John Hancock Multimanager 2060 Lifetime (JHBKX) |
| John Hancock Multimanager 2055 Lifetime (JHBJX) |
| John Hancock Multimanager 2050 Lifetime (JHBFX) |
| John Hancock Multimanager 2045 Lifetime (JHBEX) |
| John Hancock Multimanager 2040 Lifetime (JHBAX) |
| John Hancock Multimanager 2030 Lifetime (JHAVX) |
| John Hancock Multimanager Aggressive Lifestyle (JABQX) |
| John Hancock Multimanager Growth Lifestyle (JABPX) |
| John Hancock Multimanager Balanced Lifestyle (JABMX) |
| John Hancock Multimanager Moderate Lifestyle (JABKX) |
| John Hancock Multimanager Conservative Lifestyle (JABJX) |
| John Hancock American Century Heritage Fund (ACILX) |
| John Hancock Financial Industries Fund (JEFCX) |
| John Hancock Franklin Small-Mid Growth Fund (FSGAX) |
| John Hancock Invesco Small Cap Growth Fund (GTSVX) |
| John Hancock Mid Cap Growth Fund (JACEX) |
| John Hancock Mid Cap (JHMSX) |
| John Hancock Mid Value Fund (JMVNX) |
| John Hancock New Opportunities Fund (JHSEX) |
| John Hancock Royce Opportunity Fund (ROFIX) |
| John Hancock Science & Technology Fund (JAFSX) |
| John Hancock Small Cap (JESIX) |
| John Hancock Small Cap Stock Fund (JESIX) |
| John Hancock Small Cap Value Fund (JSCNX) |
| John Hancock T. Rowe Price Health Sciences Fund (PRHSX) |
| John Hancock T. Rowe Price Science and Technology Fund (JAFSX) |
| John Hancock Vanguard Energy Fund (VGENX) |
| John Hancock (JIHDX) |
| John Hancock EuroPacific Growth Fund (GOGIX) |
| John Hancock The Growth Fund of America (GOGIX) |
| John Hancock The Investment Company of America (TIUSX) |
| John Hancock Washinton Mutual Investors Fund (XJHIX) |
| John Hancock Blue Chip Growth Fund (JADZX) |
| John Hancock Capital Appreciation Fund (JCAVX) |
| John Hancock Legg Mason ClearBridge Aggressive Growth Fund (SBLBX) |
| John Hancock Domini Impact Equity Fund (DSEFX) |
| John Hancock Franklin Mutual Beacon Fund (BEGRX) |
| John Hancock Franklin Mutual Global Discovery Fund (MDISX) |
| John Hancock Fundamental All Cap Core Fund (JFLGX) |
| John Hancock Fundamental Large Cap Value (JVFLX) |
| John Hancock International Equity (JIEAX) |
| John Hancock Invesco Oppenheimer Global Fund (JHRRX) |
| John Hancock Disciplined Value Fund (JVLIX) |
| John Hancock U.S. Growth Fund (GOGIX) |
| John Hancock JPMorgan U.S. Equity Fund (JIEAX) |
| John Hancock T. Rowe Price Equity Income Fund (PRFDX) |
| John Hancock Templeton Institutional Foreign Smaller Companies Fund (FTFAX) |
| John Hancock Templeton World Fund (TWDAX) |
| John Hancock American Balanced Fund (JABMX) |
| John Hancock BlackRock Global Allocation Fund (MGJAX) |
| John Hancock MFS Utilities Fund (JEUTX) |
| John Hancock PIMCO All Asset Fund (PAUIX) |
| John Hancock High Yield Fund (JIHDX) |
| John Hancock Bond Fund (TIUSX) |
| ranging from 4.25% to 9.50% – |
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 ALMON, 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% | … | … |
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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
- Passive real estate investments
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