SAZAN GROUP 401(K) PLAN AND TRUST
Invest in SAZAN GROUP 401(K) PLAN AND TRUST
When it comes to invest in SAZAN GROUP 401(K) PLAN AND TRUST
- 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 SAZAN GROUP 401(K) PLAN AND TRUST (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
SAZAN GROUP 401(K) PLAN AND TRUST provides a list of funds (mutual funds and collective investment trusts — custom-made mutual funds for the plan):
| Investment Options of SAZAN GROUP 401(K) PLAN AND TRUST (as of 2022) |
|---|
| MFS LIFETIME 2060 FUND (JOHN HANCOCK LIFE INSURANCE CO) |
| MFS LIFETIME 2055 FUND (JOHN HANCOCK LIFE INSURANCE CO) |
| MFS LIFETIME 2050 FUND (JOHN HANCOCK LIFE INSURANCE CO) |
| MFS LIFETIME 2045 FUND (JOHN HANCOCK LIFE INSURANCE CO) |
| MFS LIFETIME 2040 FUND (JOHN HANCOCK LIFE INSURANCE CO) |
| MFS LIFETIME 2035 FUND (JOHN HANCOCK LIFE INSURANCE CO) |
| MFS LIFETIME 2030 FUND (JOHN HANCOCK LIFE INSURANCE CO) |
| MFS LIFETIME 2025 FUND (JOHN HANCOCK LIFE INSURANCE CO) |
| MFS LIFETIME 2065 FUND (JOHN HANCOCK LIFE INSURANCE CO) |
| MFS LIFETIME INCOME FUND (JOHN HANCOCK LIFE INSURANCE CO) |
| COHEN & STEERS REAL ESTATE (JOHN HANCOCK LIFE INSURANCE CO) |
| COLUMBIA OVERSEAS VALUE FUND (JOHN HANCOCK LIFE INSURANCE CO) |
| FIDELITY MID CAP INDEX FUND (JOHN HANCOCK LIFE INSURANCE CO) |
| HARTFORD INTERNATIONAL OPPOR (JOHN HANCOCK LIFE INSURANCE CO) |
| JANUS HENDERSON TRITON FUND (JOHN HANCOCK LIFE INSURANCE CO) |
| JPMORGAN LARGE CAP GROWTH (JOHN HANCOCK LIFE INSURANCE CO) |
| MFS MID CAP GROWTH FUND (JOHN HANCOCK LIFE INSURANCE CO) |
| MFS MID CAP VALUE FUND (JOHN HANCOCK LIFE INSURANCE CO) |
| T. ROWE PRICE SCI & TECH (JOHN HANCOCK LIFE INSURANCE CO) |
| TIAA-CREF LARGE-CAP GROWTH IDX (JOHN HANCOCK LIFE INSURANCE CO) |
| VANGUARD INTERNATIONAL GROWTH (JOHN HANCOCK LIFE INSURANCE CO) |
| VANGUARD MID-CAP GROWTH ETF (JOHN HANCOCK LIFE INSURANCE CO) |
| VANGUARD SMALL CAP GROW INDEX (JOHN HANCOCK LIFE INSURANCE CO) |
| VANGUARD SMALL CAP VALUE INDEX (JOHN HANCOCK LIFE INSURANCE CO) |
| VANGUARD TOTAL INTL STOCK IDX (JOHN HANCOCK LIFE INSURANCE CO) |
| ALLSPRING SPECIAL SCAP VALUE (JOHN HANCOCK LIFE INSURANCE CO) |
| 500 INDEX FUND (JOHN HANCOCK LIFE INSURANCE CO) |
| COLUMBIA DIVIDEND INCOME FUND (JOHN HANCOCK LIFE INSURANCE CO) |
| MFS BLENDED RESEARCH CORE EQ (JOHN HANCOCK LIFE INSURANCE CO) |
| MFS MASSACHUSETTS INVESTORS (JOHN HANCOCK LIFE INSURANCE CO) |
| MFS VALUE FUND (JOHN HANCOCK LIFE INSURANCE CO) |
| T. ROWE PRICE DIVIDEND GROWTH (JOHN HANCOCK LIFE INSURANCE CO) |
| VANGUARD VALUE INDEX FUND (JOHN HANCOCK LIFE INSURANCE CO) |
| MFS EMERGING MARKETS DEBT (JOHN HANCOCK LIFE INSURANCE CO) |
| MFS UTILITIES FUND (JOHN HANCOCK LIFE INSURANCE CO) |
| LORD ABBETT HIGH YIELD FUND (JOHN HANCOCK LIFE INSURANCE CO) |
| WESTERN ASSET CORE BOND FUND (JOHN HANCOCK LIFE INSURANCE CO) |
| RELIANCE METLIFE STABLE VALUE (JOHN HANCOCK LIFE INSURANCE CO) |
| WISDOMTREE MIDCAP DIV ETF (JOHN HANCOCK LIFE INSURANCE CO) |
| TIAA-CREF SMALL-CAP BLEND IDX (JOHN HANCOCK LIFE INSURANCE CO) |
| VANGUARD MID-CAP VALUE ETF (JOHN HANCOCK LIFE INSURANCE CO) |
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 | 5.38% | 12.71% | 1.54% | 6.55% | 6.18% | 8.22% | 6.88% |
| Five Core Asset Portfolio | 5.48% | 12.71% | 1.33% | 6.44% | 6.13% | 8.16% | 7.01% |
| Three Core Asset Portfolio | 6.48% | 13.88% | 2.17% | 7.18% | 6.55% | 8.35% | 6.97% |
| Two Core Asset Portfolio | 7.40% | 15.63% | 3.51% | 8.37% | 7.84% | 9.69% | 7.61% |
| Yale Endowment Template | 1.50% | 15.03% | 2.98% | 7.38% | 7.23% | 10.55% | 7.73% |
| S&P 500 Index | 15.21% | 26.49% | 9.91% | 14.98% | 12.74% | 14.69% | 10.21% |
