Investment options of ESP, INC. 401(K) PLAN
Total Available Funds: 66
| Investment Description |
|---|
| T. Rowe Price Science & Technology Fund (Class 1) – |
| John Hancock Multimanager 2025 Lifetime Portfolio – |
| John Hancock Multimanager 2035 Lifetime Portfolio – |
| John Hancock Multimanager Growth Lifestyle Portfolio – |
| Vanguard Growth Index Fund – |
| T. Rowe Price Blue Chip Growth Fund – |
| John Hancock Multimanager Balanced Lifestyle Portfolio – |
| T. Rowe Price Science & Technology Fund (Investor Class) – |
| John Hancock Multimanager 2040 Lifetime Portfolio – |
| John Hancock 500 Index Fund – |
| John Hancock Multimanager Aggressive Lifestyle Portfolio – |
| John Hancock Multimanager 2020 Lifetime Portfolio – |
| John Hancock Multimanager 2045 Lifetime Portfolio – |
| John Hancock Multimanager 2055 Lifetime Portfolio – |
| John Hancock U.S. Growth Fund – |
| Vanguard Mid Cap Growth ETF – |
| Vanguard Energy Fund – |
| Jennison Capital Appreciation Fund – |
| John Hancock Fundamental Large Cap Value – |
| Vanguard Small Cap Growth Index Fund – |
| Vanguard Small Cap Value Index Fund – |
| Vanguard Value Index Fund – |
| John Hancock Fundamental All Cap Core Fund – |
| T. Rowe Price Health Sciences Fund – |
| John Hancock Multimanager 2050 Lifetime Portfolio – |
| American Funds American Balanced Fund – |
| Invesco Global Fund – |
| John Hancock Mid Cap Index Fund – |
| John Hancock Multimanager 2060 Lifetime Portfolio – |
| American Funds The Growth Fund of America – |
| DFA Emerging Markets Value Fund – |
| John Hancock Multimanager 2015 Lifetime Portfolio – |
| John Hancock Small Cap Index Fund – |
| Vanguard Mid Cap Value ETF – |
| JPMorgan U.S. Equity Fund – |
| John Hancock Disciplined Value – |
| T. Rowe Price Equity Income – |
| John Hancock Multimanager Moderate Lifestyle – |
| PIMCO Real Return – |
| John Hancock Financial Industries Fund – |
| John Hancock International Growth – |
| SSGA International Equity Index Fund – |
| Franklin Templeton Franklin Small-Mid Growth – |
| John Hancock Multimanager 2010 Lifetime Portfolio – |
| DFA International Value – |
| T. Rowe Price Spectrum Income – |
| John Hancock Opportunistic Fixed Income – |
| John Hancock Mid Cap Growth Fund – |
| WAMCO High Yield Fund – |
| PIMCO All Asset – |
| American Funds Washington Mutual Investors Fund – |
| American Funds EuroPacific Growth Fund – |
| Invesco Small Cap Growth Fund – |
| T. Rowe Price Mid Value Fund – |
| Wellington Small Cap Stock Fund – |
| Black Rock Global Allocation Fund – |
| American Century Heritage Fund (Investor Class) – |
| John Hancock Disciplined Value International Fund – |
| Invesco EQV International Equity Fund – |
| Legg Mason ClearBridge Growth Fund – |
| John Hancock Multimanager Conservative Lifestyle Portfolio – |
| Wellington Small Cap Value Fund – |
| Franklin Templeton Mutual Beacon Fund – |
| John Hancock Strategic Income Opportunities Fund – |
| John Hancock Multimanager 2065 Lifetime Portfolio – |
| Franklin Templeton Templeton World – |
Investment model portfolios
We provide two types of investment model portfolios for ESP, INC. 401(K) PLAN participants. You can customize and follow a model portfolio in your plan account.
Types of portfolio strategies
- Strategic asset allocation portfolio: It invests in a diversified portfolio of multiple assets, buy-and-hold without frequently changing the asset allocation weights.
- Suitable: For long-term (more than 15 years, preferably more than 20 years), want to be tax efficient and can withstand interim drawdown or loss as high as 50% or more.
- Pros:
- Less error-prone
- Infrequent rebalancing or transactions
- Tax efficient for taxable brokerage investments
- Cons:
- Interim loss or drawdown can be substantial
- Possible low returns for an extended period, such as 10 years or longer
- Tactical asset allocation portfolio: it invests in a diversified portfolio of multiple assets, dynamically adjust stock and bond allocations to minimize losses during market stress.
- Suitable: For long-term (more than 10 years or preferably longer) capital. Investors are willing to rebalance as frequent as monthly.
- Pros:
- Reduce large interim loss or drawdown
- Less sensitive to investment entry point
- Likely to improve returns
- Cons
- Demand more frequent rebalancing or transactions
- Less tax efficient — more suitable in a tax-deferred account such as 401(k) or IRA
- Can experience a period of lower returns compared to a broad-based strategic allocation or a buy-and-hold benchmark, especially in some bull markets
These portfolios are proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation.
Let us know (Email us) if you need help to create a custom model portfolio for your plan.
Retirement Plan (401(k)) Info for ESP, INC. 401(K) PLAN