IIA 401(K) PLAN Investment Options
Available Funds in IIA 401(K) PLAN
Below is the lineup of investment options available to participants in IIA 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 JH Multimanager Balanced LS (JABMX) |
| John Hancock JH Multimanager Growth LS (GOGIX) |
| John Hancock JH Multimanager 2040 Lifetime (JHBAX) |
| John Hancock JH Multimanager 2030 Lifetime (JHAVX) |
| John Hancock JH Multimanager Moderate LS (JABKX) |
| John Hancock Vanguard (VFISX) |
| John Hancock JH Multimanager 2045 Lifetime (JHBEX) |
| John Hancock American Funds Capital World G&I (HVWBX) |
| John Hancock American Funds Investment Co of America (JADSX) |
| John Hancock Vanguard Capital Appreciation Fund (JCAVX) |
| John Hancock JH Multimanager Aggressive LS (JABQX) |
| John Hancock Fidelity Mid Cap (JHMSX) |
| John Hancock JH Multimanager 2055 Lifetime (JHBJX) |
| John Hancock JH Multimanager 2060 Lifetime (JHBKX) |
| John Hancock Vanguard Explorer Fund (VINEX) |
| John Hancock Vanguard Mid Value Fund (JMVNX) |
| John Hancock JH Multimanager 2050 Lifetime (JHBFX) |
| John Hancock JH Disciplined Value (JVLIX) |
| John Hancock JH Multimanager Conserv LS |
| John Hancock Vanguard New World Fund (RNWFX) |
| John Hancock JH Multimanager 2020 Lifetime (JHAPX) |
| John Hancock JH Multimanager 2025 Lifetime (JHAUX) |
| John Hancock Franklin Small-Mid Growth (FSGAX) |
| John Hancock Vanguard Short Term Federal (VSGBX) |
| John Hancock JH Multimanager 2065 Lifetime (JAAWX) |
| John Hancock Oppenheimer International Bond (OIBYX) |
| John Hancock JH Multimanager 2035 Lifetime (JHAYX) |
| John Hancock DFA U.S. Small Cap Fund (JESIX) |
| John Hancock Vanguard International Growth Fund (GOGIX) |
| John Hancock Black Rock Global Allocation |
| John Hancock Vanguard Strategic Income Opp Fund (JHSEX) |
| John Hancock Oppenheimer International Growth Fund (GOGIX) |
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 IIA 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
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