Unlocking Janus Funds: A Guide To Smart Investing

Janus Henderson Investors is a global asset manager with a subsidiary, Janus Henderson Group PLC (JHG), based in the UK. The firm offers active investment management services across all major asset classes and global markets, with $361.4 billion in assets under management (AUM) as of June 30, 2024. Janus Henderson provides a range of investment options, including mutual funds, exchange-traded funds (ETFs), and managed accounts. Individual investors can choose from various taxable accounts, such as the Individual Account, which offers flexibility and the ability to invest as much as desired. This account type is ideal for those saving for a new car, a down payment on a house, or building a rainy-day fund.

Janus Henderson's minimum investment amount

Janus Henderson offers a variety of investment options for individual investors in the US. The minimum investment amount to open an individual account at Janus Henderson is $100 with an automatic investment of at least $50. If you choose not to set up an automatic investment, the minimum initial investment is $2,500. Subsequent one-time purchases must be at least $50.

There is no cost to open an account and no annual maintenance fees when account minimum thresholds are met. This type of taxable account is solely registered in your name. It is an ideal option if you are saving up for a large purchase, such as a new car or a down payment on a house, or building a rainy-day fund. This type of account is not penalized for early withdrawals, and you can invest as much as you want with no contribution limits.

With an individual account, you have the flexibility to make all the investment decisions and manage your assets based on your investment needs and goals. You can pick any type of investment option based on your risk tolerance and investment goals. You also have the ability to designate one or more "transfer on death" beneficiaries. In the event of your passing, the account will transfer directly to any named beneficiaries. If you do not designate any beneficiaries, the account will pass to your estate, and an estate executor will decide how to divide your assets.

Janus Henderson also offers a mobile app, Janus Henderson Direct, that you can download to your mobile device to fund your future on the go.

Individual taxable accounts

With an individual taxable account, you can invest as much as you want. There are no limits on the amount you can put aside for your future needs. The minimum initial investment to open an individual account at Janus Henderson is $100 with an automatic investment of at least $50. If an automatic investment is not established, the minimum initial investment is $2,500. Subsequent one-time purchases must be at least $50.

There is no cost to open an account and no annual maintenance fees when account minimum thresholds are met. You can add to your investment at any time.

Generally, any realised gains or losses are taxable in the year the transaction occurs. For example, any distributions of dividends and capital gains are taxable whether they are paid to you in cash or reinvested to purchase more shares. In addition, for any sale or exchange, the gains are taxable or losses could be used to offset other taxable gains and income.

You can redeem shares by telephone, online, or in writing. Proceeds of the withdrawal may be sent to the address on record or transferred to a bank account. You are not required to take money out of the account, but you have the flexibility to do so whenever you request.

As the individual owner, you make all the investment decisions and manage your assets based on your investment needs and goals. Although an individual account isn't tax-deferred, the proceeds could be used for retirement funding, such as an annual contribution to your IRA.

You can designate one or more "transfer on death" beneficiaries. In the event of your passing, the account transfers directly to any named beneficiaries. If you do not designate any beneficiaries, the account passes to your estate.

Investment options based on risk tolerance

Janus mutual funds are a leading investment management firm offering a wide selection of funds spanning different asset classes, including equity, fixed income, and alternative investments. The funds are designed to cater to investors' unique needs and risk tolerance, providing opportunities for capital appreciation and income generation.

When considering investing in Janus funds, it's important to understand your risk tolerance and investment goals. Janus offers a range of investment options to suit different risk profiles. Here are some investment options based on risk tolerance:

• Conservative Risk Tolerance: For investors with a low-risk appetite, Janus offers money market funds, such as the Janus Henderson Money Market Fund (JAMXX), which is rated B+ (A) for risk-adjusted returns. This type of fund is considered low risk and aims to preserve capital and provide stable returns.
• Moderate Risk Tolerance: Investors with a balanced approach to risk can consider Janus Henderson's balanced funds, such as the Janus Henderson Balanced Inst (JABLX), which is rated C+ (B-). This fund aims to provide both capital appreciation and income generation while managing risk. Another option is the Janus Henderson Govt Mny Mkt (JAGXX), rated B+ (A), which invests in government money market securities.
• Moderately Aggressive Risk Tolerance: For investors comfortable with taking on more risk, Janus offers growth-oriented funds such as the Janus Henderson Growth and Inc A (JDNAX), rated B+ (C+). This fund focuses on capital appreciation and may invest in a mix of equity and fixed-income securities.
• Aggressive Risk Tolerance: Janus also caters to investors with a high-risk tolerance and seeks higher returns. The Janus Henderson Mid Cp Val Inst (JAMVX), rated B (C+), is a mid-cap value fund that invests in undervalued companies with potential for growth. The Janus Henderson Abs Rtn Inc Opp A (JUCAX), rated B (B+), is another option that focuses on absolute return strategies, aiming for positive returns regardless of market conditions.

It's important to remember that investing in Janus mutual funds, like any other investment, carries market volatility risks. Before investing, carefully review the prospectus and understand the specific risks associated with each fund, as well as your own risk tolerance and financial goals.

Tax features of individual accounts

An individual account is a taxable account that is solely registered in your name. It offers flexibility and the ability to make all investment decisions. This includes deciding when and how to use the proceeds of the account, as well as choosing any type of investment option based on your risk tolerance and investment goals.

Tax Features

Any realised gains or losses are generally taxable in the year the transaction occurs. For example, any distributions of dividends and capital gains are taxable, whether they are paid in cash or reinvested to purchase more shares. Similarly, for any sale (withdrawal) or exchange, the gains are taxable, and losses can be used to offset other taxable gains and income.

Investment Amounts

With an individual taxable account, there is no limit to the amount you can invest. You can invest as much as you want, and there are no deadlines for adding to your investment. The minimum initial investment to open an individual account at Janus Henderson is $100 with an automatic investment of at least $50. If an automatic investment is not established, the minimum initial investment is $2,500. Subsequent one-time purchases must be at least $50.

Fees

There is no cost to open an individual account, and no annual maintenance fees when account minimum thresholds are met.

Withdrawals

You can redeem shares by telephone, online, or in writing. There is no penalty for early withdrawals, and you have the flexibility to take out your money whenever you request. However, the longer you stay invested, the more your money will have a chance to grow in value.

How to open an individual account

To open an individual account with Janus Henderson Investors, you must be a US-based individual investor, investing on your own behalf. An individual account is a taxable account that is solely registered in your name. It is a flexible option, allowing you to make all the investment decisions and manage your assets based on your investment needs and goals.

The minimum initial investment to open an individual account at Janus Henderson is $100 with an automatic investment of at least $50. If you choose not to set up an automatic investment, the minimum initial investment is $2,500. You can invest as much as you want, with no limits on how much you can put aside for your future needs. There are no annual maintenance fees when account minimum thresholds are met.

To open an individual account, you can download an application form from the Janus Henderson website. However, it is important to note that the website does not provide investment advice or recommendations.

Frequently asked questions