ACI 401K PROFIT SHARING PLAN
Invest in ACI 401K PROFIT SHARING PLAN
When it comes to invest in ACI 401K PROFIT SHARING PLAN
- Understand Your Goals and Risk Tolerance: Consider your retirement goals, time horizon, and risk tolerance when choosing investments. Are you saving for retirement, or do you have other financial goals in mind? How comfortable are you with market fluctuations?
- Diversification: Diversification is key to managing risk in your investment portfolio. Spread your investments across different asset classes (e.g., stocks, bonds, cash equivalents) and sectors to reduce the impact of market volatility.
- Asset Allocation: Determine the appropriate mix of assets for your investment portfolio based on your goals and risk tolerance. This may involve allocating a percentage of your portfolio to stocks, bonds, and cash equivalents.
- Review Investment Options: Evaluate the investment options available within ACI 401K PROFIT SHARING PLAN (see below for more detailed investment options). Look for funds with low fees, consistent performance, and a track record of meeting their investment objectives.
- Consider Target-Date Funds: Target-date funds are a popular option for retirement savings because they automatically adjust the asset allocation over time based on your expected retirement date. These funds can be a convenient option for investors who prefer a hands-off approach to investing.
- Monitor and Rebalance: Periodically review your investment portfolio and make adjustments as needed. Rebalance your portfolio to maintain your desired asset allocation and ensure it remains aligned with your goals and risk tolerance.
- Seek Professional Advice: If you’re unsure about which investments to choose or how to allocate your assets, consider seeking advice from a financial advisor. They can help you develop an investment strategy tailored to your individual needs and circumstances.
By following these steps, you can set up a 401(k) plan and choose investments that align with your long-term financial goals and objectives. Remember that investing involves risk, and it’s important to carefully consider your options and seek professional advice if needed.
Investment Options
ACI 401K PROFIT SHARING PLAN provides a list of funds (mutual funds and collective investment trusts — custom-made mutual funds for the plan):
| Investment Options of ACI 401K PROFIT SHARING PLAN (as of 2022) |
|---|
| DFA U.S. SMALL CAP FUND (JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK) |
| INTL EQUITY INDEX FUND (JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK) |
| PARNASSUS CORE EQUITY FUND (JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK) |
| TEMPLETON WORLD (JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK) |
| WASHINGTON MUTUAL INVESTORS (JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK) |
| JOHN HANCOCK BOND FUND (JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK) |
| TOTAL BOND MARKET FUND (JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK) |
| JOHN HANCOCK STABLE VALUE (JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK) |
| JH MULTI-INDEX 2060 PRESERV (JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK) |
| JH MULTI-INDEX 2055 PRESERV (JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK) |
| JH MULTI-INDEX 2050 PRESERV (JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK) |
| JH MULTI-INDEX 2045 PRESERV (JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK) |
| JH MULTI-INDEX 2040 PRESERV (JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK) |
| JH MULTI-INDEX 2035 PRESERV (JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK) |
| JH MULTI-INDEX 2030 PRESERV (JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK) |
| JH MULTI-INDEX 2025 PRESERV (JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK) |
| JH MULTI INDEX INCOME PRESERV (JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK) |
| AMG RIVER ROAD MID CAP VALUE (JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK) |
| NEW PERSPECTIVE FUND (JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK) |
| CAPITAL WORLD GROWTH & INCOME (JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK) |
| BLUE CHIP GROWTH FUND (JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK) |
| 500 INDEX FUND (JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK) |
| VANGUARD SMALL CAP VALUE INDEX (JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK) |
| VANGUARD SMALL CAP GROW INDEX (JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK) |
| VANGUARD MID-CAP GROWTH ETF (JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK) |
| SMALL CAP INDEX FUND (JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK) |
| MID CAP INDEX FUND (JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK) |
| JH DISCIPLINED VALUE MID CAP (JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK) |
| JOHN HANCOCK STABLE VAL FD R6 (GLOBAL TRUST COMPANY) |
| MYWAYRET CORE BOND R (WILMINGTON TRUST, N.A.) |
| WILMINGTON BR U.S. DEBT IDX 1 (WILMINGTON TRUST, N.A.) |
| MYWAYRET BALANCED R (WILMINGTON TRUST, N.A.) |
| MYWAYRET INDEX RET FUND R (WILMINGTON TRUST, N.A.) |
| MYWAYRET INDEX 2025 R (WILMINGTON TRUST, N.A.) |
| MYWAYRET INDEX 2030 R (WILMINGTON TRUST, N.A.) |
| MYWAYRET INDEX 2035 R (WILMINGTON TRUST, N.A.) |
| MYWAYRET INDEX 2040 R (WILMINGTON TRUST, N.A.) |
| MYWAYRET INDEX 2045 R (WILMINGTON TRUST, N.A.) |
| MYWAYRET INDEX 2050 R (WILMINGTON TRUST, N.A.) |
| MYWAYRET INDEX 2055 R (WILMINGTON TRUST, N.A.) |
| MYWAYRET LARGE CAP GROWTH R (WILMINGTON TRUST, N.A.) |
| MYWAYRET INDEX 2060 R (WILMINGTON TRUST, N.A.) |
| MYWAYRET INDEX 2065 R (WILMINGTON TRUST, N.A.) |
| MYWAYRET LARGE CAP VALUE R (WILMINGTON TRUST, N.A.) |
| MYWAYRET REAL ESTATE R (WILMINGTON TRUST, N.A.) |
| WILMINGTON BR EQ IDX 1 (WILMINGTON TRUST, N.A.) |
| MYWAYRET COMMODITIES R (WILMINGTON TRUST, N.A.) |
| MYWAYRET MID CAP GROWTH R (WILMINGTON TRUST, N.A.) |
| MYWAYRET MID CAP VALUE R (WILMINGTON TRUST, N.A.) |
| MYWAYRET SMALL CAP GROWTH R (WILMINGTON TRUST, N.A.) |
| MYWAYRET SMALL CAP VALUE R (WILMINGTON TRUST, N.A.) |
| WILMINGTON BR RUSS 2000 IDX R (WILMINGTON TRUST, N.A.) |
| MYWAYRETIREMENT INTL VALUE RJ (WILMINGTON TRUST, N.A.) |
| MYWAYRET INTL GROWTH R (WILMINGTON TRUST, N.A.) |
| WILMINGTON BR EAFE EQ IDX R (WILMINGTON TRUST, N.A.) |
How to invest
Key principles in retirement investing:
- Proper asset allocation among stocks and bonds, the two major assets. Proper assess your risk tolerance level based on your age, financial situation, personal emotional level to tolerate up and down, and retirement expectation.
- Invest in (ultra) low cost index funds if possible. Don’t get caught up with flashy funds.
- Invest for a long term: financial markets are up and down and investment values are subject to fluctuation. However, viewed as business investments, you can be assured that diversified funds (stocks and bonds) have solid business fundamental that eventually will deliver inflation beating returns for stocks.
See Four-Step Guide for 401(k) Retirement Investing.
Basic asset allocation templates
The following asset allocation templates are based on popular lazy portfolios. Once you have decided your proper risk asset (stocks) allocation, you can utilize these lazy portfolio templates to scale the allocations to your risk allocation level. See Asset Allocation Portfolio Templates for guide:
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr Ar | 15Yr Ar | 20Yr Ar |
|---|---|---|---|---|---|---|---|
| Core Four Asset Portfolio | 12.71% | 24.80% | 3.47% | 7.74% | 6.96% | 7.87% | 7.19% |
| Five Core Asset Portfolio | 12.86% | 24.77% | 3.36% | 7.67% | 6.89% | 7.81% | 7.30% |
| Three Core Asset Portfolio | 13.15% | 24.80% | 3.85% | 8.33% | 7.24% | 8.03% | 7.27% |
| Two Core Asset Portfolio | 13.61% | 25.81% | 4.76% | 9.31% | 8.40% | 9.38% | 7.90% |
| Yale Endowment Template | 11.94% | 26.31% | 3.25% | 7.93% | 7.71% | 8.98% | 8.19% |
| S&P 500 Index | 21.08% | 35.64% | 10.34% | 15.86% | 13.13% | 14.08% | 10.63% |
