A default fund is a required element for every retirement plan. If you do not make an investment election, contributions allocated to your account will be directed to the applicable Vanguard Target Retirement Trust II. Contact John Hancock for more information on the Vanguard Target Retirement Trust II accounts.
Otherwise, you may choose to invest in any of the core funds, or many publicly traded investment options available through the
TD Ameritrade self-directed brokerage account.
Investment Options for the Defined Contribution/401(k) Plan:
|
Tier |
Investment Option |
Fund Type |
Asset Class |
Expense Ratio (Gross)* |
I
| Vanguard Wellington Fund Admiral | Mutual Fund | Balanced | 0.18% |
| I | Vanguard Target Retirement Trust II
(2010 - 2060)
| Collective Trust | Target Date | 0.08% |
II | BlackRock Equity Index NL | Collective Trust | US Large Cap Equity | 0.03% |
II | BlackRock U.S. Debt Index NL | Collective Trust | US Fixed | 0.05% |
II | BlackRock Russell 2500 Index NL | Collective Trust | Small/Mid Cap (SMID) | 0.08% |
II | BlackRock MSCI ACWI ex-US IMI Index NL | Collective Trust | International | 0.12% |
III | FCF NYLIM Anchor Account IV | Separate Account
| Stable Value | 0.30% |
III | FCF NYLIM Western Frozen Fixed Dollar | Separate Account | Stable Value | 0.25% |
III | Loomis Sayles Core Plus Fixed Income Trust | Collective Trust | US Fixed | 0.25% |
III | Legg Mason BW Global Opps Bond Fund | Mutual Fund | International Fixed | 0.56% |
III | FCF Dodge & Cox Stock Fund | Separate Account | US Large Cap Equity | 0.44% |
III | Vanguard PRIMECAP Fund Admiral | Mutual Fund | US Large Cap Equity | 0.34% |
III | FCF SMID Cap Fund | Separate Account | US SMID Cap Equity | 0.36% |
III | Dox & Cox International Stock Fund | Mutual Fund | International Equity | 0.62% |
III | DFA Emerging Markets Core Equity Fund | Mutual Fund | Emerging Markets Equity | 0.61% |
III | Principal Diversified Real Asset Fund | Collective Trust | Diversified Inflation Hedge | 0.74% |
IV | Self-Directed Brokerage Account (TD Ameritrade) | | | |
*As of Oct. 2016
TD Ameritrade is a self-directed brokerage account that allows you to choose freely from a diverse selection of investment products such as stocks, bonds, mutual funds, exchange traded funds and options. You can invest up to 99% of you balance in the self-directed brokerage account.
Learn more About TD Ameritrade Self-Directed Brokerage
For more information regarding the Farm Credit Foundations Defined Contribution/ 401(k) Plan investment funds, visit
mylife.jhrps.com or call John Hancock at 1-800-294-3575. You may speak to a Participant Service Representative between the hours of 8:00 a.m. and 10:00 p.m. (Eastern) Monday through Friday, on days the New York Stock Exchange is open.
