DISTRICT 1199SEIU - THE JOHNS HOPKINS HOSPITAL 403(B) PLAN Investment Options
Basic steps for DISTRICT 1199SEIU - THE JOHNS HOPKINS HOSPITAL 403(B) PLAN investments
- 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 DISTRICT 1199SEIU - THE JOHNS HOPKINS HOSPITAL 403(B) 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
DISTRICT 1199SEIU - THE JOHNS HOPKINS HOSPITAL 403(B) PLAN provides a list of funds (mutual funds and collective investment trusts — custom-made mutual funds for the plan):
Total Available Funds: 27
| Investment Description |
|---|
| AMERICAN CENTURY AMERICAN CENTURY U. S. GOVERNMENT MONEY MARKET |
| AMERICAN CENTURY AMERICAN CENTURY EQUITY INCOME R5 |
| AMERICAN CENTURY AMERICAN CENTURY INVESTMENTS ONE CHOICE 2025 INSTL |
| AMERICAN CENTURY AMERICAN CENTURY INVESTMENTS ONE CHOICE 2030 INSTL |
| AMERICAN CENTURY AMERICAN CENTURY INVESTMENTS ONE CHOICE 2035 INSTL |
| AMERICAN CENTURY AMERICAN CENTURY INVESTMENTS ONE CHOICE 2040 INSTL |
| AMERICAN CENTURY AMERICAN CENTURY INVESTMENTS ONE CHOICE 2045 INSTL |
| AMERICAN CENTURY AMERICAN CENTURY INVESTMENTS ONE CHOICE 2050 INSTL |
| AMERICAN CENTURY AMERICAN CENTURY INVESTMENTS ONE CHOICE 2055 INSTL |
| AMERICAN CENTURY AMERICAN CENTURY INVESTMENTS ONE CHOICE 2060 INSTL |
| AMERICAN CENTURY AMERICAN CENTURY INVESTMENTS ONE CHOICE 2065 INSTL |
| AMERICAN CENTURY AMERICAN CENTURY INVESTMENTS ONE CHOICE IN RETIREMENT PORTFOLIO |
| AMERICAN FUNDS AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R6 |
| ISHARES ISHARES MSCI EAFE INTL INDEX K |
| ISHARES ISHARES RUSSELL MID CAP INDEX K |
| ISHARES ISHARES US AGGREGATE BOND INDEX K |
| FIDELITY FIDELITY CONTRAFUND FUND K6 |
| FIDELITY FIDELITY SMALL CAP VALUE |
| JANUS HENDERSON JANUS HENDERSON TRITON FUND CLASS T |
| JOHN HANCOCK JOHN HANCOCK FUNDS DISCIPLINED VALUE MID CAP FUND CLASS R6 |
| MASSMUTUAL MASSMUTUAL SELECT MID CAP GROWTH FUND CLASS R5 |
| OPPENHEIMER OPPENHEIMER DEVELOPING MARKETS FUND CLASS Y |
| PIMCO PIMCO ALL ASSET FUND INSTITUTIONAL CLASS |
| PIMCO PIMCO INCOME FUND CLASS A |
| VANGUARD VANGUARD INSTITUTIONAL INDEX FUND INSTITUTIONAL SHARES |
| VANGUARD VANGUARD SMALL-CAP INDEX FUND INSTITUTIONAL SHARES |
| METLIFE METLIFE GUARANTEED INCOME ANNUITY |
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. These are core or major asset class-based portfolios using ultra-low-cost index funds for each asset class. Once you have decided on 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 a guide:
The return data shown below all have the same latest date: 04/23/2025.
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Inception |
|---|---|---|---|---|---|---|---|---|
| Four Core Asset Portfolio | -2.42% | 5.80% | 4.16% | 7.44% | 5.75% | 6.69% | 6.58% | 6.28% |
| Five Core Asset Portfolio | -2.65% | 5.82% | 4.04% | 7.30% | 5.66% | 6.59% | 6.66% | 6.47% |
| Three Core Asset Portfolio | -2.83% | 5.55% | 4.94% | 7.88% | 6.11% | 6.93% | 6.68% | 6.20% |
| Two Core Asset Portfolio | -5.24% | 5.34% | 5.30% | 8.39% | 7.13% | 8.14% | 7.37% | 6.67% |
| Yale Endowment Template | -1.90% | 6.89% | 3.01% | 7.26% | 6.09% | 7.57% | 7.38% | 7.55% |
| S&P 500 Index | -8.27% | 7.31% | 9.28% | 15.66% | 11.67% | 12.40% | 9.97% | 8.08% |
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