Retirement

Model Portfolios

Plug-and-play investing

A Model Portfolio is a predefined portfolio based on your age, risk tolerance, and your retirement timeline.

Model Portfolios can help you achieve your personal investment goals by placing you in one of five predefined portfolios based on the results of your Risk Profile Assessment. Model Portfolios give you the ability to build a personalized portfolio that's more comprehensive than the Target Retirement Funds but still doesn't require a ton of time selecting and managing individual investments.

Members who choose to invest in a Model Portfolio will need to take the Risk Profile Assessment when they initially invest and then again every three years to determine if there are any changes in their risk tolerance and investment goals.

The investments that make up the Model Portfolios are selected from pre-vetted mutual funds offered by Member Benefits.

Features include:

  • Requires a small investment of time
  • Low maintenance
  • No additional fees to invest in a model portfolio
  • Auto-rebalances each year so your investment mix aligns with your investment goals
  • A risk profile assessment is required initially and then again every three years
  • Because this is a managed fund option, you cannot mix a model portfolio with other investments in our fund line up
See all investment choices.

 

 Model Performance

The reported performance of the models is hypothetical yet based on actual performance of the underlying mutual funds and their corresponding weightings. The performance data on the underlying funds was derived from MorningstarĀ®, an independent third party. The illustration does not reflect the actual performance of individual investors in the models. Investment models are not FDIC-insured, and they are not bank-guaranteed. Investment models may lose value. Past performance is no guarantee of future results. Model performance returns illustrate the relationship between risk and reward. The WEA Member Benefits model portfolios are risk-based. The more conservative the underlying asset weightings are, the lower the expected rate of return. Because of market changes, the makeup of your actual account portfolio will not exactly match the model portfolio. We may perform periodic adjustments of the model portfolio investments and rebalancing of your account to more closely match the model portfolio you select.

 

Model portfolios are developed by WEA Financial Advisors, Inc., (WEA FA) under the oversight of the WEA Member Benefits Investment Committee. Model portfolios may be adjusted at the discretion of WEA FA and the Investment Committee with prior notice to you. From time-to-time there may be extraordinary situations that will warrant more scrutiny when making adjustments. An example is the market downturn in October 2008. Although WEA FA carefully evaluates the makeup of the portfolios on a regular basis, we make no representation regarding the likelihood or probability that any or all of the portfolios will in fact achieve a particular investment goal or fulfill the risk tolerance profile as described for each portfolio. As a self-directed investor, you should carefully consider the merit and appropriateness of the available investments under your district's retirement plan in light of your own personal financial circumstances, including your other assets, income, investments, and/or cash flow needs. 

 Re-Assess Your Investment Needs Regularly 

Because your needs, goals, portfolio, and situation may change over time, be sure to re-evaluate your investment strategy at least once a year. You can always choose a different model or create your own mix. Redemption fees may apply. When participating in a WEA Member Benefits model portfolio, you must complete the Risk Profile Questionnaire every three years. You may not continue to use the model portfolio option if you do not timely complete a Risk Profile Questionnaire. In such an event, and if we receive no other instruction from you, your plan assets will be moved to your plan's QDIA (qualified default investment alternative). 

 

 

your insurance promo

ira thanks

Rollover

  • Salary Reduction Agreement
  • Beneficiary Change Request Form
  • Exchange/Transfer/Rollover Form
  • Address/Name Change Form