SENSIS, INC. 401(K) PLAN Investment Options
Available Funds in SENSIS, INC. 401(K) PLAN
Below is the lineup of investment options available to participants in SENSIS, INC. 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 |
|---|
| JH Multimanager 2065 Lifetime Pooled Separate Account (JAAWX) |
| JH Multimanager 2060 Lifetime Pooled Separate Account |
| JH Multimanager 2055 Lifetime Pooled Separate Account |
| JH Multimanager 2050 Lifetime Pooled Separate Account |
| JH Multimanager 2045 Lifetime Pooled Separate Account |
| JH Multimanager 2040 Lifetime Pooled Separate Account |
| JH Multimanager 2035 Lifetime Pooled Separate Account |
| JH Multimanager 2030 Lifetime Pooled Separate Account |
| JH Multimanager Balanced LS Pooled Separate Account |
| American Century Heritage Pooled Separate Account (ACILX) |
| Fidelity ContraFund Pooled Separate Account (FCNTX) |
| Franklin Small-Mid Growth Pooled Separate Account (FSGAX) |
| T.Rowe Price Sml Cap Val Pooled Separate Account (TRIVX) |
| Vanguard Mid-Cap Value ETF Pooled Separate Account (VMVIX) |
| Vanguard Small Cap Value Index Pooled Separate Account (VISVX) |
| American Funds EUPAC Fund Pooled Separate Account |
| Washington Mutual Investors Pooled Separate Account (RWMFX) |
| Intl Equity Index Fund Pooled Separate Account |
| iShares MSCI EAFE Value ETF Pooled Separate Account (BTMPX) |
| T.Rowe Price Equity Inc Pooled Separate Account (PRFDX) |
| PIMCO Intl Bond USD-Hedged Pooled Separate Account |
| PIMCO Real Return Pooled Separate Account (PRLPX) |
| T.Rowe Price Spectrum Inc Pooled Separate Account (TSINX) |
| JH 3-Year Compound Guaranteed Interest Account |
| JH 5-Year Compound Guaranteed Interest Account |
| maturing through August 2029 – |
| John Hancock USA JH Multimanager 2065 Lifetime (JAAWX) |
| John Hancock USA JH Multimanager 2060 Lifetime (JHBKX) |
| John Hancock USA JH Multimanager 2055 Lifetime (JHBJX) |
| John Hancock USA JH Multimanager 2050 Lifetime (JHBFX) |
| John Hancock USA JH Multimanager 2045 Lifetime (JHBEX) |
| John Hancock USA JH Multimanager 2040 Lifetime (JHBAX) |
| John Hancock USA JH Multimanager 2035 Lifetime (JHAYX) |
| John Hancock USA JH Multimanager 2030 Lifetime (JHAVX) |
| John Hancock USA JH Multimanager Balanced LS |
| John Hancock USA American Century Heritage (ACILX) |
| John Hancock USA Fidelity ContraFund (FCNTX) |
| John Hancock USA Franklin Small-Mid Growth (FSGAX) |
| John Hancock USA T. Rowe Price Sml Cap Val (TRIVX) |
| John Hancock USA Vanguard Mid-Cap Value (JVMRX) |
| John Hancock USA Vanguard Small Cap Value Index (JSCNX) |
| John Hancock USA American Funds EuroPac Growth (JIGHX) |
| John Hancock USA Washington Mutual Investors (RWMFX) |
| John Hancock USA Intl Equity (JDIVX) |
| John Hancock USA iShares MSCI EAFE Value (BTMPX) |
| John Hancock USA T. Rowe Price Equity Inc (JIEAX) |
| John Hancock USA PIMCO Intl Bond USD-Hedged (GLOAX) |
| John Hancock USA PIMCO Real Return (PRLPX) |
| John Hancock USA T. Rowe Price Spectrum Inc (TSINX) |
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 SENSIS, INC. 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% | … | … |
Get Key Insights for This Plan
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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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