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Learn more about Model Portfolios and Target Retirement Funds (continued from Investment Spotlight: Mutual Funds 101
Apply what you’ve learned from "Investment Spotlight: Mutual Funds 101
" to start investing in your future or evaluate your current investments.
Knowing how to secure your financial well-being is one of the most
important things you’ll ever need to do in life. You don’t have to be a
genius to do it. You just need to know a few basics, form a plan, and
commit to it.
Specialty funds invest primarily in the securities of a particular industry, sector, type of security or geographic region.
Small-cap stock funds invest in companies with a market capitalization typically of more than $300 and less than $2 billion.
Mid-cap stock funds invest in companies with a market capitalization
typically of more than $2 billion and less than $10 billion.
Lifecycle funds are highly diversified mutual funds designed to remain
appropriate for investors in terms of risk throughout a variety of life
Large-cap stock funds invest in companies with a market capitalization typically of greater than $10 billion.
International stock funds invest in stocks and bonds of companies outside of the U.S.
Creating a diversified investment
portfolio (that includes stocks) may boost your long-term returns and
pad your nest egg. Evaluate the mutual funds available in
our 403(b) and IRA programs by comparing funds in each fund category.
A 403(b) is a great way for public school employees to set aside money for retirement. However, fees charged by some plans can take a big bite out of your earnings. While a few extra percentage points in fees may seem insignificant, the effect on your account can be dramatic.
Unsure which retirement account is best for you? Call us at 1-800-279-4030.
The impact of fees over time on your IRA or 403(b) account can significantly reduce your nest egg, and not all providers charge the same fees. Learn more about some of the fees to watch for so you can keep more of your money working for you.
If you desire to play an active role in monitoring and managing your investments, our lineup of no-load mutual funds and Prudential Guaranteed Investment provides the flexibility you need to manage risk and build a diversified portfolio.
Carefully chosen no-load mutual funds and the Prudential Guaranteed Investment provide you with the flexibility you need to manage risk and build a diversified portfolio. And you can choose how involved you want to be in managing your investments.
The decision to save for retirement is an
easy one when you consider the potential future benefits, but how to
invest is often the source of uncertainty and frustration for investors
new and old. At its most basic, how you decide to invest should be based
on what kind of investor you are—your style—so you can make choices
that are right for you.
So, what kind of investor are you? We have some guidance to help you answer that question.
In our August 3, 2015 article, “What’s your investment style?”
we illustrated that how you decide to invest should be based on what
kind of investor you are. Once you know your investor style and
understand your risk tolerance
, you can make more informed choices about your specific investments. Details are in the article
, but read on for a quick summary of our investment options.
On April 20, 2016, we replaced all of our Target Retirement Funds from investor shares to institutional shares and our T. Rowe Price Small Cap Value with the Prudential QMA Small Cap Value Z.
Why the change? The bottom line: It will save you, our members, money.
As we wrap up National Retirement Security week, we want to remind you
that Member Benefits has many tools and resources to help you learn more
about retirement saving. Use our handy list, and remember you can always call us with your questions.
One-decision investing If you desire a simple, one-decision investment designed to build assets without the need for monitoring or rebalancing, target retirement funds may be right for you.
If you want to improve your financial savvy, it pays to have the right
tools for the right job. Member Benefits has a number of free financial
tools and resources to help you build up your financial knowledge. And
if you have questions, call us. We're here to help.
Low cost, high quality, competitive long-term performance--these are the criteria used to select the investment choices available to you through our nationally recognized 403(b) and IRA programs. Let us help you define your savings goals and develop a strategy to put you on the path to financial
Financial Planning Services
Available to WEAC Members