Investment options of KONIAG 401(K) SAVINGS PLAN
Total Available Funds: 32
| Investment Description |
|---|
| Vanguard 500 Index Admiral Fund |
| John Hancock JHancock Multimanager 2045 Lifetime Fund |
| John Hancock JHancock Multimanager 2050 Lifetime Fund |
| JPMorgan Large Cap Growth Fund |
| John Hancock JHancock Multimanager 2040 Lifetime Fund |
| John Hancock JHancock Multimanager 2030 Lifetime Fund |
| John Hancock JHancock Multimanager 2035 Lifetime Fund |
| Vanguard Small Cap Index Admiral Fund |
| John Hancock JHancock Multimanager 2055 Lifetime Fund |
| John Hancock JHancock Multimanager 2060 Lifetime Fund |
| Dodge & Cox Dodge & Cox Stock Fund |
| Vanguard Mid Cap Index Admiral Fund |
| American Funds Balanced Fund |
| John Hancock JHancock Multimanager 2025 Lifetime Fund |
| Blackrock High Yield Bond Institutional Fund |
| Pioneer Select Mid Cap Growth Fund |
| Fidelity Small Cap Value Fund |
| Fidelity International Capital Appreciation Fund |
| T. Rowe Price Short Term Bond Fund |
| Hartford Hartford International Opportunities Fund |
| Franklin Templeton Franklin Small Cap Growth Fund |
| PIMCO Real Return Institutional Fund |
| Dimensional DFA International Small Company Fund |
| Allspring Allspring Mid Cap Val I |
| John Hancock JHancock Multimanager 2065 Lifetime Fund |
| Invesco Developing Markets Fund |
| John Hancock JHancock Multimanager 2020 Lifetime Fund |
| John Hancock JHancock Multimanager 2015 Lifetime Fund |
| Columbia Overseas Val Inst2 |
| John Hancock JHancock Multimanager 2010 Lifetime Fund |
| Morgan Stanley Institutional Global Strategist Fund |
| participant accounts |
Investment model portfolios
We provide two types of investment model portfolios for KONIAG 401(K) SAVINGS 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 KONIAG 401(K) SAVINGS PLAN