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Having the appropriate mix of stocks, bonds and cash in your retirement portfolio can play a vital role in improving your odds of retirement success. Spreading your money across different asset types, or diversification, may be a successful tool for managing market volatility over the long term.
For your retirement, diversification can potentially help lower your risk of loss if volatility occurs right before or after retirement. It can also help increase the probability that your money will last
There are multiple ways you can implement a diversification strategy.
Target-date and target-risk asset allocation portfolios offer broad diversification and professional money management in a single investment. Both options could be a smart choice for retirement planning.
Time-based target-date portfolios automatically become more conservative as their goal date nears. If you want a consistent level of risk that you can adjust on your own schedule by moving to a different portfolio, target-risk portfolios may be right for you.
Want more customization? Many investors choose to build their investment portfolio by selecting individual stock, bond and money market funds or even underlying investments, though this management option is reliant on diligent maintenance.
Already made the transition to retirement? Explore ways you can set your finances up so you spend more time enjoying the time you’ve earned
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This information is for educational purposes only and is not intended as a personalized recommendation or fiduciary advice. There are different options available for your retirement plan investments. You should consider all options before making a decision. Our representatives can help you evaluate all of your distribution options.
Diversification does not assure a profit nor does it protect against loss of principal.
Investment return and principal value of security investments will fluctuate. The value at the time of redemption may be more or less than the original cost. Past performance is no guarantee of future results.