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HANDEL ARCHITECTS LLP 401(K) PROFIT SHARING PLAN Investment Options

Basic steps for HANDEL ARCHITECTS LLP 401(K) PROFIT SHARING PLAN investments

  1. Understand Your Goals and Risk Tolerance: Consider your retirement goals, time horizon, and risk tolerance when choosing investments. Are you saving for retirement, or do you have other financial goals in mind? How comfortable are you with market fluctuations?
  2. Diversification: Diversification is key to managing risk in your investment portfolio. Spread your investments across different asset classes (e.g., stocks, bonds, cash equivalents) and sectors to reduce the impact of market volatility.
  3. Asset Allocation: Determine the appropriate mix of assets for your investment portfolio based on your goals and risk tolerance. This may involve allocating a percentage of your portfolio to stocks, bonds, and cash equivalents.
  4. Review Investment Options: Evaluate the investment options available within HANDEL ARCHITECTS LLP 401(K) PROFIT SHARING PLAN (see below for more detailed investment options). Look for funds with low fees, consistent performance, and a track record of meeting their investment objectives.
  5. Consider Target-Date Funds: Target-date funds are a popular option for retirement savings because they automatically adjust the asset allocation over time based on your expected retirement date. These funds can be a convenient option for investors who prefer a hands-off approach to investing.
  6. Monitor and Rebalance: Periodically review your investment portfolio and make adjustments as needed. Rebalance your portfolio to maintain your desired asset allocation and ensure it remains aligned with your goals and risk tolerance.
  7. Seek Professional Advice: If you’re unsure about which investments to choose or how to allocate your assets, consider seeking advice from a financial advisor. They can help you develop an investment strategy tailored to your individual needs and circumstances.

By following these steps, you can set up a 401(k) plan and choose investments that align with your long-term financial goals and objectives. Remember that investing involves risk, and it’s important to carefully consider your options and seek professional advice if needed.

Investment Options

HANDEL ARCHITECTS LLP 401(K) PROFIT SHARING PLAN provides a list of funds (mutual funds and collective investment trusts — custom-made mutual funds for the plan):

Total Available Funds: 43
Asset Class Ticker Description
Others
Conservative Allocation JALRX John Hancock Lifestyle Conservative
Conservative Allocation JTLMX John Hancock Lifestyle Moderate
Moderate Allocation JALBX John Hancock Lifestyle Balanced
Moderate Allocation RLBFX American Funds American Balanced
Technology PRSCX T.Rowe Price Science & Technology
ROOT CASH John Hancock Money Market Fund
Technology JESTX John Hancock Science & Technology Fund
US EQUITY
LARGE BLEND JTLGX John Hancock Lifestyle Growth
LARGE BLEND JTLAX John Hancock Lifestyle Aggressive
LARGE VALUE TEBIX Franklin Templeton Mutual Beacon
LARGE BLEND ISFIX ING Davis New York Venture
LARGE GROWTH PJFZX Prudential Jennison Growth
LARGE BLEND DSFRX Domini Social Equity
MID-CAP VALUE FBSRX Franklin Templeton Balance Sheet
LARGE VALUE URBIX Columbia Value & Restructuring
LARGE GROWTH SHRAX Legg Mason Partners Aggressive Growth
Small Growth GTSVX Invesco Small Cap Growth
Mid-Cap Growth AVTRX American Century Vista
LARGE BLEND JIFNX John Hancock 500 Income Fund
LARGE VALUE JIEMX John Hancock Equity Income Fund
LARGE BLEND JILPX John Hancock Large Cap Fund
LARGE GROWTH JICPX John Hancock Capital Appreciation Fund
LARGE BLEND JHBHX John Hancock All Cap Core Fund
LARGE GROWTH JIBCX John Hancock Blue Chip Growth Fund
LARGE VALUE JCVVX John Hancock Value Fund
SMALL BLEND JISVX John Hancock Small Company Value Fund
LARGE GROWTH JICGX John Hancock All Cap Growth Fund
Mid-Cap Growth JIMSX John Hancock Mid Cap Stock Fund
SMALL BLEND JESIX John Hancock Small Cap Index Fund
FIXED INCOME
Multisector Bond RPSIX T.Rowe Price Spectrum Income
High Yield Bond SBHYX Legg Mason Partners High Yield
SHORT GOVERNMENT VSGBX Vanguard Short Term Federal
Multisector Bond JISBX John Hancock Strategic Bond
High Yield Bond JIHDX John Hancock High Yield
Intermediate-Term Bond JIQBX John Hancock Investment QUAL Bond
Intermediate Government JIUSX John Hancock US Government Securities
INTERNATIONAL EQUITY
WORLD STOCK TEDRX Franklin Termleton Mutual Global Discovery
WORLD STOCK TEMWX Franklin Templeton World
Foreign Large Blend RERFX American Funds Europacific Growth
Foreign Large Value JIVIX John Hancock International Value Fund
Foreign Small/Mid Value JIIMX John Hancock Intl Small Cap Fund
Emerging Market
DIVERSIFIED EMERGING MKTS ODMAX Oppenheimer Developing Markets
REAL ESTATE
REAL ESTATE JIREX John Hancock Real Est. Securities Fund

How to invest

Key principles in retirement investing:

  • Proper asset allocation among stocks and bonds, the two major assets. Proper assess your risk tolerance level based on your age, financial situation, personal emotional level to tolerate up and down, and retirement expectation.
  • Invest in (ultra) low cost index funds if possible. Don’t get caught up with flashy funds.
  • Invest for a long term: financial markets are up and down and investment values are subject to fluctuation. However, viewed as business investments, you can be assured that diversified funds (stocks and bonds) have solid business fundamental that eventually will deliver inflation beating returns for stocks.

See Four-Step Guide for 401(k) Retirement Investing.

Basic asset allocation templates

The following asset allocation templates are based on popular lazy portfolios. These are core or major asset class-based portfolios using ultra-low-cost index funds for each asset class. Once you have decided on your proper risk asset (stocks) allocation, you can utilize these lazy portfolio templates to scale the allocations to your risk allocation level. See Asset Allocation Portfolio Templates for a guide:

Name YTD Return 1Yr AR 3Yr AR 5Yr AR 10Yr AR 15Yr AR 20Yr AR Inception
Four Core Asset Portfolio 6.54% 9.70% 9.90% 7.29% 6.97% 7.91% 6.88% 6.67%
Five Core Asset Portfolio 6.29% 9.57% 9.66% 7.11% 6.90% 7.80% 6.94% 6.86%
Three Core Asset Portfolio 6.76% 9.91% 10.83% 7.83% 7.37% 8.21% 7.04% 6.62%
Two Core Asset Portfolio 4.90% 9.88% 11.53% 8.56% 8.41% 9.53% 7.72% 7.12%
Yale Endowment Template 7.91% 11.28% 9.51% 7.42% 7.58% 8.91% 7.63% 7.98%
S&P 500 Index 7.42% 14.79% 19.53% 16.27% 13.64% 14.84% 10.62% 8.80%
Data as of 07/03/2025, AR inception is 12/31/2000

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