AUTO TRUST 401(K) PLAN Investment Options
Available Funds in AUTO TRUST 401(K) PLAN
Below is the lineup of investment options available to participants in AUTO TRUST 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 Description |
|---|
| John Hancock New York |
| John Hancock New York Blue Chip Growth Fund |
| John Hancock New York AMG River Road Mid Cap Value |
| John Hancock New York Fidelity Investments New Insights Fund |
| John Hancock New York High Yield Fund |
| John Hancock New York PIMCO All Asset |
| John Hancock New York Invesco Opp Intl Growth Fund |
| John Hancock New York Invesco Small Cap Growth Fund |
| John Hancock New York Invest Company of America |
| John Hancock New York JH Lifetime Blend 2010 |
| John Hancock New York JH Lifetime Blend 2025 |
| John Hancock New York JH Lifetime Blend 2030 |
| John Hancock New York JH Lifetime Blend 2035 |
| John Hancock New York JH Lifetime Blend 2040 |
| John Hancock New York JH Lifetime Blend 2045 |
| John Hancock New York JH Lifetime Blend 2050 |
| John Hancock New York JH Lifetime Blend 2055 |
| John Hancock New York JH Lifetime Blend 2060 |
| John Hancock New York JH Lifetime Blend 2065 |
| John Hancock New York JH Multimanager Aggressive LS |
| John Hancock New York JH Multimanager Balanced LS |
| John Hancock New York JH Multimanager Conserv LS |
| John Hancock New York JH Multimanager Growth LS |
| John Hancock New York JH Multimanager Moderate LS |
| John Hancock New York JP Morgan Midcap Value Fund |
| John Hancock New York PGIM Jennison Midcap Growth Fund |
| John Hancock New York PIMCO Commodity Real Return Fund |
| John Hancock New York Real Est. Securities Fund |
| John Hancock New York Royce Opportunity |
| John Hancock New York Science and Technology Fund |
| John Hancock New York T. Rowe Price Health Sciences Fund |
| John Hancock New York T. Rowe Price Spectrum Inc. |
| John Hancock New York PIMCO Real Return |
| John Hancock New York Vanguard Growth |
| John Hancock New York Vanguard Small Cap Grow Index |
| John Hancock New York Vanguard Value |
| John Hancock New York Guaranteed Interest |
| Participants through August 2053 – |
| John Hancock New York Fidelity Adv New Insights |
| John Hancock New York Invesco Small Cap Growth |
| John Hancock New York Investment Company of America |
| John Hancock New York JH Lifetime Blend 2010 CIT R2 |
| John Hancock New York JH Lifetime Blend 2025 CIT R2 |
| John Hancock New York JH Lifetime Blend 2030 CIT R2 |
| John Hancock New York JH Lifetime Blend 2035 CIT R2 |
| John Hancock New York JH Lifetime Blend 2040 CIT R2 |
| John Hancock New York JH Lifetime Blend 2045 CIT R2 |
| John Hancock New York JH Lifetime Blend 2050 CIT R2 |
| John Hancock New York JH Lifetime Blend 2055 CIT R2 |
| John Hancock New York JH Lifetime Blend 2060 CIT R2 |
| John Hancock New York JH Lifetime Blend 2065 CIT R2 |
| John Hancock New York JPMorgan MidCap Value Fund |
| John Hancock New York PGIM Jennison Mid Cap Growth |
| John Hancock New York PIMCO Commodity Real Return |
| John Hancock New York Royce Small-Cap Opportunity |
| John Hancock New York Science & Technology Fund |
| John Hancock New York T Rowe Price Health Sci |
| John Hancock New York T. Rowe Price Spectrum Inc |
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 AUTO TRUST 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
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