Risk-Based Portfolios are rebalanced regularly to maintain an investment mix consistent with five, static risk tolerance levels ranging from very conservative to very aggressive. They are a good option for retirement, college savings, or other long-term investing goals.
Move the slider to see how our portfolios change based on risk tolerance.
One Choice Portfolio®:
Money Market Funds0.00%
A One Choice Portfolio's target date is the approximate year when investors plan to retire or start withdrawing their money, but it's important to note that the principal value of the investment is not guaranteed at any time, including at the target date.
Each target-date One Choice 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.
Number of years until money is needed
Move the slider to see how our portfolios change based on goal date.
You should consider the fund's investment objectives, risks, charges and expenses carefully before you invest. The fund's prospectus or summary prospectus, which can be obtained by calling 1.800.345.2021, contains this and other information about the fund, and should be read carefully before investing. Investments are subject to market risk.
Diversification does not assure a profit nor does it protect against loss of principal.
One Choice Target Risk Portfolios
One Choice Target Date Portfolios
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.