SA AUTOMOTIVE 401(K) & PROFIT SHARING PLAN Investment Options
Available Funds in SA AUTOMOTIVE 401(K) & PROFIT SHARING PLAN
Below is the lineup of investment options available to participants in SA AUTOMOTIVE 401(K) & PROFIT SHARING 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 JH Multimanager Conservative Lifestyle Fund |
| John Hancock JH Multimanager Moderate Lifestyle Fund |
| John Hancock JH Multimanager Balanced Lifestyle Fund |
| John Hancock JH Multimanager Growth Lifestyle Fund |
| John Hancock JH Multimanager Aggressive Lifestyle Fund |
| John Hancock T. Rowe Price Science & Technology Fund |
| John Hancock T. Rowe Price Health Sciences Fund |
| John Hancock T. Rowe Price Overseas Stock Fund |
| John Hancock American New World Fund |
| John Hancock American Balanced Fund |
| John Hancock Small Cap |
| John Hancock Blue Chip Growth Fund |
| John Hancock American EuroPacific Growth Fund |
| John Hancock Carillon Eagle Mid Cap Growth Fund |
| John Hancock Federated Hermes MDT Small Cap Growth Fund |
| John Hancock Fidelity International |
| John Hancock Financial Industries Fund |
| John Hancock Harbor Small Cap Value Fund |
| John Hancock Mid Cap |
| John Hancock Northern Emerging Markets Equity |
| John Hancock Northern Small Cap Value Fund |
| John Hancock Parnassus Mid Cap Fund |
| John Hancock Nuveen Large-Cap Value |
| John Hancock Nuveen Large-Cap Growth |
| John Hancock Nuveen Small-Cap Blend |
| John Hancock DFA US Large Company Fund |
| John Hancock Nuveen Equity |
| John Hancock MFS Utilities Fund |
| John Hancock Opportunistic Fixed Income Fund |
| John Hancock Vanguard Small Cap Value |
| John Hancock Vanguard Energy Fund |
| John Hancock American New Perspective Fund |
| John Hancock T. Rowe Price New Era Fund |
| John Hancock T. Rowe Price Retirement 2010 Fund |
| John Hancock T. Rowe Price Retirement 2015 Fund |
| John Hancock T. Rowe Price Retirement 2020 Fund |
| John Hancock T. Rowe Price Retirement 2025 Fund |
| John Hancock T. Rowe Price Retirement 2030 Fund |
| John Hancock T. Rowe Price Retirement 2035 Fund |
| John Hancock T. Rowe Price Retirement 2040 Fund |
| John Hancock T. Rowe Price Retirement 2045 Fund |
| John Hancock T. Rowe Price Retirement 2050 Fund |
| John Hancock T. Rowe Price Retirement 2055 Fund |
| John Hancock T. Rowe Price Retirement 2060 Fund |
| John Hancock T. Rowe Price Retirement 2065 Fund |
| John Hancock Dodge & Cox Stock Fund |
| John Hancock Vanguard Explorer Fund |
| John Hancock DFA International Small Cap Value Fund |
| John Hancock Mid Cap Growth Fund |
| John Hancock Templeton Foreign Fund |
| John Hancock PIMCO Real Return Fund |
| John Hancock Guaranteed interest account – three year |
| John Hancock Guaranteed interest account – five year |
| John Hancock Guaranteed interest account – ten year |
| repayment schedules through November |
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 SA AUTOMOTIVE 401(K) & PROFIT SHARING 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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