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John Hancock 401(k) - Investment Advice
Posted on 11/18/14 at 8:41 pm
Posted on 11/18/14 at 8:41 pm
Hey guys, I will become eligible to participate in my employers 401(k) plan on January 1st. Just some background on me, I am in my mid twenties, married, no kids. I have a one year emergency fund and I am currently maxing out a roth IRA. The wife is in the state retirement system. My company will match up to 4% so I will definitely be contributing the full amount to utilize the employer match. Below are the areas I can invest in (if you need all of the actual funds I will provide them), if you could provide some guidance on percentages per risk area, it would be greatly appreciated.
Types 1 - Conservative (guaranteed interest accounts)
Type 2 - Income (PIMCO Total return fund, Vanguard ST Federal Fund etc.)
Type 3 - Growth and Income - (500 index fund, T. Row Price Equity Income Fund, Large Cap Value Fund etc.)
Type 4 - Growth - (JPMorgan Mid Cap Value Fund, Total market index fund, Blue Chip Growth Fund, Mid Cap Index Fund, Small and Mid Cap value funds etc.)
Type 5 - Aggressive Growth - (Vanguard Small Cap growth, Oppenheimer global fund, Invesco small cap growth fund, Small Cap index fund, Mid Cap Stock Fund etc.)
I also have the option of investing in a "lifestyle portfolio" which is basically a style of investment sub advised by John Hancock, for example I could choose a Conservative, Moderate, Balanced, Growth or agressive lifestyle fund and not choose any individual investments.
Types 1 - Conservative (guaranteed interest accounts)
Type 2 - Income (PIMCO Total return fund, Vanguard ST Federal Fund etc.)
Type 3 - Growth and Income - (500 index fund, T. Row Price Equity Income Fund, Large Cap Value Fund etc.)
Type 4 - Growth - (JPMorgan Mid Cap Value Fund, Total market index fund, Blue Chip Growth Fund, Mid Cap Index Fund, Small and Mid Cap value funds etc.)
Type 5 - Aggressive Growth - (Vanguard Small Cap growth, Oppenheimer global fund, Invesco small cap growth fund, Small Cap index fund, Mid Cap Stock Fund etc.)
I also have the option of investing in a "lifestyle portfolio" which is basically a style of investment sub advised by John Hancock, for example I could choose a Conservative, Moderate, Balanced, Growth or agressive lifestyle fund and not choose any individual investments.
Posted on 11/19/14 at 8:18 am to Jabstep
John Hancocks lifestyle portfolios are top notch. Some of the sub advisors in there such as Wellington mgt, GMO, Robeco, etc require millions as an initial investment. However you get access to those managers through John Hancock. I am a fan.
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