ZOOM MEDIA CORP. RETIREMENT PLAN
Invest in ZOOM MEDIA CORP. RETIREMENT PLAN
When it comes to invest in ZOOM MEDIA CORP. RETIREMENT 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 ZOOM MEDIA CORP. RETIREMENT 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
ZOOM MEDIA CORP. RETIREMENT PLAN provides a list of funds (mutual funds and collective investment trusts — custom-made mutual funds for the plan):
| Investment Options of ZOOM MEDIA CORP. RETIREMENT PLAN (as of 2022) |
|---|
| EUROPACIFIC GROWTH FUND (JOHN HANCOCK NEW YORK) |
| INTL EQUITY INDEX FUND (JOHN HANCOCK NEW YORK) |
| OPPROTUNISTIC FIXED INCOME (JOHN HANCOCK NEW YORK) |
| INVESCO OPP DEVELOPING MKT (JOHN HANCOCK NEW YORK) |
| INVESCO SMALL CAP GROWTH (JOHN HANCOCK NEW YORK) |
| JOHN HANCOCK INTL GROWTH (JOHN HANCOCK NEW YORK) |
| JP MORGAN MIDCAP VALUE FUND (JOHN HANCOCK NEW YORK) |
| MID CAP INDEX FUND (JOHN HANCOCK NEW YORK) |
| REAL EST. SECURITIES FUND (JOHN HANCOCK NEW YORK) |
| ROYCE OPPORTUNITY (JOHN HANCOCK NEW YORK) |
| SCIENCE & TECHNOLOGY FUND (JOHN HANCOCK NEW YORK) |
| SMALL CAP INDEX FUND (JOHN HANCOCK NEW YORK) |
| SMALL CAP VALUE FUND (JOHN HANCOCK NEW YORK) |
| T ROWE PRICE HEALTH SCIENCE (JOHN HANCOCK NEW YORK) |
| T ROSE PRICE SCI & TECH (JOHN HANCOCK NEW YORK) |
| VANGUARD ENERGY FUND (JOHN HANCOCK NEW YORK) |
| VANGUARD MID-CAP GROWTH ETF (JOHN HANCOCK NEW YORK) |
| VANGUARD MID-CAP VALUE ETF (JOHN HANCOCK NEW YORK) |
| VANGUARD SMALL CAP GROWTH INDEX (JOHN HANCOCK NEW YORK) |
| VANGUARD SMALL CAP VALUE INDEX (JOHN HANCOCK NEW YORK) |
| 500 INDEX FUND (JOHN HANCOCK NEW YORK) |
| BLUE CHIP GROWTH FUND (JOHN HANCOCK NEW YORK) |
| CAPITAL APPRECIATION FUND (JOHN HANCOCK NEW YORK) |
| CLEARBRIDGE AGGRESSIVE GROWTH (JOHN HANCOCK NEW YORK) |
| DODGE & COX STOCK FUND (JOHN HANCOCK NEW YORK) |
| FUNDAMENTAL LARGE CAP VALUE (JOHN HANCOCK NEW YORK) |
| JOHN HANCOCK DISCIPLINED VALUE (JOHN HANCOCK NEW YORK) |
| MFS UTILITIES FUND (JOHN HANCOCK NEW YORK) |
| PARNASSUS CORE EQUITY FUND (JOHN HANCOCK NEW YORK) |
| THE GROWTH FUND OF AMERICA (JOHN HANCOCK NEW YORK) |
| INVESTMENT COMPANY OF AMERICA (JOHN HANCOCK NEW YORK) |
| TOTAL STOCK MARKET INDEX FUND (JOHN HANCOCK NEW YORK) |
| VANGUARD GROWTH INDEX FUND (JOHN HANCOCK NEW YORK) |
| VANGUARD TOT WLD STK INDEX ETF (JOHN HANCOCK NEW YORK) |
| VANGUARD VALUE INDEX FUND (JOHN HANCOCK NEW YORK) |
| WASHINGTON MUTUAL INVESTORS (JOHN HANCOCK NEW YORK) |
| AMERICAN BALANCED FUND (JOHN HANCOCK NEW YORK) |
| BLACKROCK GLOBAL ALLOCATION (JOHN HANCOCK NEW YORK) |
| PIMCO ALL ASSET (JOHN HANCOCK NEW YORK) |
| FIDELITY ADVISOR TOTAL BOND (JOHN HANCOCK NEW YORK) |
| HIGH YIELD FUND (JOHN HANCOCK NEW YORK) |
| PIMCO GLOBAL BOND OPPS FUND (JOHN HANCOCK NEW YORK) |
| PIMCO REAL RETURN (JOHN HANCOCK NEW YORK) |
| STRATEGIC INCOME OPP FUND (JOHN HANCOCK NEW YORK) |
| T ROWE PRICE SPECTRUM INC. (JOHN HANCOCK NEW YORK) |
| TOTAL BOND MARKET FUND (JOHN HANCOCK NEW YORK) |
| MONEY MARKET FUND (JOHN HANCOCK NEW YORK) |
| VANGUARD SHORT-TERM FEDERAL (JOHN HANCOCK NEW YORK) |
| JH MULTIMANAGER 2060 LIFETIME (JOHN HANCOCK NEW YORK) |
| JH MULTIMANAGER 2055 LIFETIME (JOHN HANCOCK NEW YORK) |
| JH MULTIMANAGER 2050 LIFETIME (JOHN HANCOCK NEW YORK) |
| JH MULTIMANAGER 2045 LIFETIME (JOHN HANCOCK NEW YORK) |
| JH MULTIMANAGER 2040 LIFETIME (JOHN HANCOCK NEW YORK) |
| JH MULTIMANAGER 2035 LIFETIME (JOHN HANCOCK NEW YORK) |
| JH MULTIMANAGER 2030 LIFETIME (JOHN HANCOCK NEW YORK) |
| JH MULTIMANAGER 2025 LIFETIME (JOHN HANCOCK NEW YORK) |
| JH MULTIMANAGER 2020 LIFETIME (JOHN HANCOCK NEW YORK) |
| JH MULTIMANAGER 2015 LIFETIME (JOHN HANCOCK NEW YORK) |
| JH MULTIMANAGER 2010 LIFETIME (JOHN HANCOCK NEW YORK) |
| JH MULTIMANAGER AGGRESSIVE LS (JOHN HANCOCK NEW YORK) |
| JH MULTIMANAGER GROWTH LS (JOHN HANCOCK NEW YORK) |
| JH MULTIMANAGER BALANCED LS (JOHN HANCOCK NEW YORK) |
| JH MULTIMANAGER MODERATE LS (JOHN HANCOCK NEW YORK) |
| JH DISCIPLINED VALUE INTERNATIONAL (JOHN HANCOCK NEW YORK) |
| INVESCO GLOBAL FUND (JOHN HANCOCK NEW YORK) |
| EQUITY INCOME FUND (JOHN HANCOCK NEW YORK) |
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 | 5.16% | 11.63% | 1.45% | 6.44% | 6.10% | 8.16% | 6.86% |
| Five Core Asset Portfolio | 5.26% | 11.65% | 1.24% | 6.32% | 6.06% | 8.09% | 6.99% |
| Three Core Asset Portfolio | 6.34% | 12.86% | 2.08% | 7.07% | 6.48% | 8.30% | 6.95% |
| Two Core Asset Portfolio | 7.23% | 14.44% | 3.32% | 8.24% | 7.77% | 9.64% | 7.59% |
| Yale Endowment Template | 1.50% | 15.03% | 2.98% | 7.38% | 7.23% | 10.55% | 7.73% |
| S&P 500 Index | 16.83% | 25.98% | 10.36% | 15.12% | 12.90% | 14.98% | 10.33% |
