Compare Our Asset Allocation Portfolios
Compare Our Two Series of Asset Allocation Portfolios
|One ChoiceSM Target Date Portfolios||One ChoiceSM Target Risk Portfolios|
|Investing Style||Time based
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|Management||Rebalanced annually to become more conservative as the target date approaches||Rebalanced quarterly to maintain its targeted risk level|
|Your Choice||Choose a portfolio based on the year you plan to start withdrawing your money, and leave the rest to us||Choose a portfolio based on your tolerance for risk, and you decide when to change risk levels by moving your money accordingly|
|Need Help Deciding?||Use this chart to match your retirement goal to a portfolio||Try our Investment Planner tool and receive complimentary investment guidance based on your tolerance for risk and investor profile|
See How Each Asset Allocation Portfolio Is Invested:
One Choice Target Date Portfolios -
As of 3/20/2015.
One Choice Target Risk Portfolios -
As of 3/20/2015.
One Choice Target Date Portfolios:
A One Choice Target Date Portfolio's target date is the approximate year when investors plan to retire or start withdrawing their money. The principal value of the investment is not guaranteed at any time, including at the target date.
Each target-date One Choice Target Date Portfolio seeks the highest total return consistent with its asset mix. Over time, the asset mix and weightings are adjusted to be more conservative. In general, as the target year approaches, the portfolio's allocation becomes more conservative by decreasing the allocation to stocks and increasing the allocation to bonds and money market instruments.
By the time each fund reaches its target year, its target asset mix will become fixed and will match that of One Choice In Retirement Portfolio.
In light of the current extreme low interest rate environment for cash equivalent (money market) securities, the managers have reallocated a portion of One Choice Portfolio: Very Conservative's assets from money market funds to short-term bond funds. This shift will cause the fund to temporarily deviate from the neutral mix and operating ranges listed in the prospectus. The neutral mix for One Choice Portfolio: Very Conservative is Equity Securities 25%, Fixed-Income Securities 52% and Cash Equivalents 23%. During this period, the fund’s investments generally will be allocated as indicated, subject to any further adjustments deemed appropriate by the managers in light of changing market conditions. Over the long term, the managers expect to reallocate the fund’s assets back toward the neutral mix.
Diversification does not assure a profit nor does it protect against loss of principal.