KI(USA)CORPORATION 401(K)PLAN Investment Options
Available Funds in KI(USA)CORPORATION 401(K)PLAN
Below is the lineup of investment options available to participants in KI(USA)CORPORATION 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 Financial Services JH Multimanager Aggressive LS (XBTOX) |
| John Hancock Financial Services JH Multimanager Balanced LS (XBTOX) |
| John Hancock Financial Services JH Multimanager Growth LS (XBTOX) |
| John Hancock Financial Services JH Multimanager Conserve LS (XBTOX) |
| John Hancock Financial Services The Growth Fund of America (XBTOX) |
| John Hancock Financial Services (XBTOX) |
| John Hancock Financial Services U.S. Growth Fund (XBTOX) |
| John Hancock Financial Services JH Multimanager Moderate LS (XBTOX) |
| John Hancock Financial Services Small Cap Value Fund (JSCNX) |
| John Hancock Financial Services JPMorgan U.S. Equity Fund (XBTOX) |
| John Hancock Financial Services Fundamental Investors (XJHIX) |
| John Hancock Financial Services John Hancock Mid Cap Growth (JACEX) |
| John Hancock Financial Services T. Rowe Price Health Sci (PRISX) |
| John Hancock Financial Services Mid Cap (JHMSX) |
| John Hancock Financial Services American Century Heritage (XBTOX) |
| John Hancock Financial Services Real Est. Securities Fund (JADBX) |
| John Hancock Financial Services Euro Pacific Growth Fund (XBTOX) |
| John Hancock Financial Services Investment Company of America (XBTOX) |
| John Hancock Financial Services Equity Income Fund (XHEQX) |
| John Hancock Financial Services New Opportunities Fund (XBTOX) |
| John Hancock Financial Services Science & Technology Fund (JAFSX) |
| John Hancock Financial Services Templeton World (XBTOX) |
| John Hancock Financial Services American Balanced Fund (XBTOX) |
| John Hancock Financial Services Small Cap Stock Fund (JESIX) |
| John Hancock Financial Services Capital Appreciation Fund (XBTOX) |
| John Hancock Financial Services Small Cap (JESIX) |
| John Hancock Financial Services Washington Mutual Investors (RWMFX) |
| John Hancock Financial Services High Yield Fund (JIHDX) |
| John Hancock Financial Services BlackRock Global Allocation (RYFSX) |
| John Hancock Financial Services John Hancock Bond Fund (TIUSX) |
| John Hancock Financial Services Fundamental Large Cap Value (JVFLX) |
| John Hancock Financial Services DFA US Targeted Value Fund (XBTOX) |
| John Hancock Financial Services Blue Chip Growth Fund (JADZX) |
| John Hancock Financial Services T. Rowe Price Small Cap Value Fund (PRSVX) |
| John Hancock Financial Services JH Disciplined Value Intl Fund (JDIVX) |
| John Hancock Financial Services Vanguard Small Cap Grow Index (JESIX) |
| John Hancock Financial Services Financial Industries Fund (JEFCX) |
| John Hancock Financial Services T. Rowe Price New Era Fund (PRISX) |
| John Hancock Financial Services Utilities Fund (XBTOX) |
| Notes receivable from participants Maturity dates through December |
| 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 KI(USA)CORPORATION 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
- more …
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