If you don’t have the time or desire to select individual investment options and continuously monitor the investment mix on your own, consider the Risk-Based Portfolios.
Each portfolio automatically spreads your contributions over a broad range of asset classes (which may include cash, bonds, and equities) in varying percentages. The composition of these portfolios is distinguished by their risk exposure. The more aggressive funds have the potential for higher returns, but also carry greater risk exposure and may be more volatile. You choose the risk level you’re most comfortable with:
- Ultra Conservative Portfolio
- Conservative Portfolio
- Moderate Portfolio
- Aggressive Portfolio
- Ultra Aggressive Portfolio
When selecting a Risk-Based Portfolio, consider investing 100% of your assets in your desired fund. If you divide your assets across multiple Risk-Based Portfolios, your risk exposure may not be what you intended.