Our two series of asset allocation portfolios-risk-based and time-based-offer broad diversification and professional money management in a single investment.

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Compare Our Two Series of Asset Allocation Portfolios

  One ChoiceSM Target Date Portfolios One ChoiceSM Target Risk Portfolios
Investing Style Time based
Do not invest in tobacco securities
Risk based
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? 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 -
Time Based

As of 12/1/2013.
Allocations subject to change.

See the asset allocation for each One Choice Target Date Portfolio.

One Choice Target Risk Portfolios -
Risk Based

As of 12/6/2013.
Allocations subject to change.

See the asset allocation for each One Choice Target Risk Portfolio.

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.

Diversification does not assure a profit nor does it protect against loss of principal.


Key Benefits for Both Series of Asset Allocation Portfolios

  • Single Investment: Spend less time picking investments for your portfolio
  • No-Load Mutual Funds: Keep more money working for you
  • Professional Management: Portfolios are actively managed for you, at no additional cost
  • Automatic Rebalancing: Portfolios are regularly rebalanced to help you stay on track with the risk level or target date you choose
  • Broad Diversification: Each portfolio invests in up to 14 different funds, spread across a variety of investment styles and market capitalizations
  • Simplified Record Keeping: You only have one fund to monitor
  • Easy Withdrawals: With just one fund, it's easy to take out the amount you need, when you need it

Our asset allocation portfolios offer even more benefits:

If you're just starting out or building your portfolio:

  • Low initial investment: A $500 investment (and $100 automatic monthly investments) is all you need to get started.
  • Instant diversification: Diversify among different kinds of investments immediately, instead of building a portfolio one fund at a time.

If you're approaching or in retirement:

  • Convenient consolidation: Combine your retirement assets into one fund, and stay broadly diversified with the exact time frame or risk level you've already chosen.
  • Easy withdrawals: With just one fund, it's easy to take out the amount you need for retirement, when you need it.

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One ChoiceSM 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.

Diversification does not assure a profit nor does it protect against loss of principal.

 

No-Load Funds

No-load funds don't impose a sales charge and are typically purchased directly from the fund company.
 
 

Just Starting Out or Building Your Portfolio

Low initial investment: A $500 investment (and $100 automatic monthly investments) is all you need to get started.

Instant diversification: Diversify among different kinds of investments immediately, instead of building a portfolio one fund at a time.

 
 

Approaching or In Retirement

Convenient consolidation: Combine your retirement assets into one fund, and stay broadly diversified with the exact time frame or risk level you've already chosen.

Easy withdrawals: With just one fund, it's easy to take out the amount you need for retirement, when you need it.

 

Put Our Expert Money Managers to Work for You

You can invest in a One ChoiceSM Target Date Portfolio or One ChoiceSM Target Risk Portfolio with as little as $500, with an automatic monthly investment of $100 or more. Otherwise, the minimum investment is $2,500.

Need Help Choosing?

  • One Choice Target Date Portfolios:  as a guide when investing for your retirement.
  • One Choice Target Risk Portfolios: Try our Investment Planner tool for complimentary investment guidance based on your tolerance for risk and investor profile.

Ready to Invest?


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 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.

Diversification does not assure a profit nor does it protect against loss of principal.