401(k) Plan Investment Options
In addition to the asset class options, participants will be given the option of selecting a model portfolio. These pre-mixed portfolios are designed to deliver complete diversification for a selected level of risk.
This asset mix is for those who seek current investment income and high stability. You want to avoid losses, and probably need to access most or all of your money within 10 years. Increasing value is NOT a primary concern.
This asset mix is for those who primarily seek stability but are willing to experience some fluctuation in value with the expectation of growth. You probably need to access some of your money within 10 years.
This asset mix is for long-term investors who seek relatively stable growth and have a limited need for income. You can tolerate some fluctuation in value with the expectation of growth and probably won’t need to access your money for at least 10 years.
This asset mix is for long-term investors who won’t need funds from their investments for some time – typically about 15 years. You want to grow your investments and will accept a fair amount of risk to achieve that end.
This asset mix is for long-term investors who want high growth potential and won’t need access to their investments for at least 15-20 years. You’ll accept a substantial amount of year-to-year volatility, in exchange for potentially high long-term returns.