Understanding Your Investment Options
The ability for you to maintain control over the direction of your investments is extremely important. For that reason we have created a retirement plan that encompasses almost every level of risk, and which enables you to change your asset mix as your risk tolerance or age changes.
The chart below depicts the categories of our funds in a simplified Risk vs. Return model.
If you don't fancy yourself a financial expert, consider that most financial planners would strongly suggest investing in a predefined portfolio with a specific asset mix that matches your current risk tolerance (not to be confused with Target Date Funds — please see the White Paper on Target Funds at the bottom of this page).
Our retirement plan offers three such predefined portfolios, all created by our advisors at CAPTRUST Financial Advisors. Each portfolio, which is comprised of a mix of stock funds (equities) or a combination of stock (equity) and bond (fixed income) funds, is rebalanced once a year to ensure the asset mix stays true to its intended risk tolerance. These portfolios are as "turn-key" as it gets.
Your personal investment guru is available to you 24/7 thru AdvicePlus. For an example, see the AdvicePlus PDF at the bottom of this page.
Portfolio Types
Conservative Portfolio
This Portfolio is for participants who have a low tolerance for risk and want to preserve the value of their fund while still maintaining the possibility for some growth. It strives to achieve more return than the Stable Value Fund, but at a slightly higher level of risk.
The table and graph to the right outline how dollars invested in the Conservative Portfolio will be allocated.
Moderate Portfolio
This Portfolio is for participants who are seeking growth opportunities at moderate risk. By combining the growth qualities of stocks with the lower risk profile of bonds and Guaranteed Investment Contracts (GICs), the Moderate Portfolio rewards investors with growth characteristics at moderate risk.
The percentage of dollars allocated to the Stable Value Fund is less than that of the Conservative Portfolio, while the allocation to various bond and equity funds is greater.
Aggressive Portfolio
This Portfolio is for participants who are seeking growth opportunities and have a higher level of risk tolerance. It allows investors the potential for the higher long term return generated by a diversified array of equity classes, including small-cap and international.
This Portfolio is fully invested in the equity funds, translating into a 100% weighting in stocks.
Our Fund Families
Curious about the funds in our plan? We can tell you that they are consistently top performers in their categories, and are represented from the following fund families:
Impressive, we know.
