PNC Target Date Funds. Making Saving for Retirement Simpler for You

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "PNC Target Date Funds. Making Saving for Retirement Simpler for You"

Transcription

1 PNC Target Date Funds Making Saving for Retirement Simpler for You

2 Walking With You on the Path to Retirement We understand that with the number and variety of retirement savings options available to you, choosing the right path can be overwhelming. The four PNC Target Date Funds and PNC Retirement Income Fund are designed to take the guesswork out of this otherwise daunting process. You choose one fund based on when you want to retire and leave the rest diversifying, managing risk, monitoring the portfolio, staying on track to us. What is a Target Date Fund? While most mutual funds invest directly in stocks, bonds, and other securities, a target date fund invests in multiple mutual funds and other investment products. You choose the target date fund best aligned with your expected retirement date. The asset allocation mix of the fund automatically shifts as the target date approaches. Each fund is managed for investors who plan to begin withdrawing assets from their account around the fund s specified target date. Why You Might Choose a Target Date Fund The advantage of investing in any target date fund is that with minimal effort you gain broad asset class diversification and professional portfolio management in a single investment. Simplified Decision-Making Investing in an individual retirement account or participating in an employeesponsored plan typically requires you to independently research and mix mutual funds, which can be confusing and time-consuming. With a target date fund, you have the option to select just one fund based on your age and expected retirement date. One-Step Diversification With one mutual fund investment, you buy into a fully diversified portfolio that includes a blend of investments providing exposure to a broad range of asset classes. Professional Management and Asset Reallocation Portfolio managers with the knowledge and experience needed to provide proper asset allocation based on your time horizon and risk tolerance determine the blend of underlying investments in a target date fund, then reallocate those investments as you approach retirement. Target Date Funds Aren t All The Same Not all target date funds are built alike or managed with the same objectives. Target date funds have existed for many years, but every mutual fund company builds and manages its funds differently. Even funds with the same target date can have very different asset allocations, investment strategies, and income objectives at retirement. It is important for investors to understand these differentiating qualities of the target date funds they are considering before making their selection.

3 A Fund for Your Retirement Years So what happens when you reach your target retirement date? Fortunately, you have the option of remaining invested with PNC Funds. PNC Retirement Income Fund is designed to be a seamless, next-step investment option for investors once their target date is reached. If you are invested in one of the PNC Target Date Funds, upon reaching your target retirement date your assets automatically roll over into PNC Retirement Income Fund. And you continue to benefit from the professional management and asset allocation expertise you ve enjoyed while invested in your PNC Target Date Fund. Our goal at this stage is to ensure that you have current income so that you are able to relax and enjoy your retirement. Since investors in PNC Retirement Income Fund have reached their target retirement date, and are likely to begin withdrawing money from their retirement accounts, the Fund is less invested in equities and higher-volatility asset classes, and more focused on lower-volatility assets such as fixed income investments, than the PNC Target Date Funds. Experienced Team Working for You To Learn More About PNC Target Date Funds: Speak to your financial advisor Consult your plan administrator Visit pncfunds.com Call FUND (3863) The talented team of investment professionals managing the PNC Target Date Funds and PNC Retirement Income Fund average more than 22 years of experience. The Funds benefit from the unique expertise brought by each member of the team: portfolio management, product management, trading, and risk management. Their combined knowledge makes them the optimal team to guide you and your investments into retirement. Our Objectives, Your Retirement Plan OUR FUND WHAT THE FUND AIMS TO DO MANAGED FOR INVESTORS WHO PNC Target 2050 Fund PNC Target 2040 Fund PNC Target 2030 Fund PNC Target 2020 Fund Build a portfolio of investments that will provide an appropriate balance between capital appreciation and capital preservation in light of the Fund s target date, with income as an additional goal as the Fund nears its target retirement date. their account around the year 2050 their account around the year 2040 their account around the year 2030 their account around the year 2020 PNC Retirement Seeks current income with capital Have already reached their target retirement date Income Fund appreciation as a secondary goal

4 Balancing Risk with Reward Our goal is for your asset allocation to align with your risk tolerance at every stage of your investment. As illustrated on this page, our portfolio s asset allocation starts out aggressive, heavily invested in higher-risk equities, with the goal of accumulating and growing your retirement assets early on. Around years prior to retirement, the risk of principal loss outweighs the potential rewards. So to protect your savings, the strategy shifts from capital appreciation to capital preservation. This means the allocation to higher-risk equities decreases as the allocation to lower-risk fixed income and cash investments increases. PNC Target 2050 Fund has the most aggressive asset allocation, while PNC Retirement Income Fund is invested the most conservatively. Understanding that investors have different retirement needs and different withdrawal strategies at retirement, we manage to retirement, at which time the Funds maintain their lowest allocation to equities. We aim for the inherent risk in the portfolio to be at its lowest when you are preparing for retirement and your own tolerance for financial risk is also at its lowest. Asset Allocation of the Funds AGGRESSIVE >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>CONSERVATIVE PNC Target 2050 PNC Target 2040 PNC Target 2030 PNC Target 2020 PNC Retirement Income Equities Fixed Income Diversifiers Cash Equity Diversifiers Large Cap Small Cap International Dividend Income International Small Cap Emerging Markets Fixed Income Core Fixed Income Intermediate Short Duration High Yield Money Markets Floating Rate TIPs Risk Mitigation Diversifiers Commodities REITs TIPs Index Put Options The pie charts above illustrate a hypothetical asset class mix for each of the four PNC Target Date Funds and PNC Retirement Income Fund. The table lists the various underlying investments equity and fixed income funds, cash, and diversifying asset classes that the Funds may include in their portfolios at any given time.

5 Our Funds are Built for Savers PNC Target Date Funds and PNC Retirement Income Fund were created with savers in mind. Consider these potential advantages: We Go Beyond Stocks and Bonds In addition to traditional asset classes equity (stocks), fixed income (bonds), and cash (money markets) the portfolio includes non-traditional asset classes such as commodities and real estate investment trusts (REITs). These non-traditional asset classes typically react differently to market stimuli from the traditional asset classes (equity and fixed income) and potentially reduce the risk of loss of assets at retirement. The portfolio you receive is much more complex than the simple decision you make when you choose your fund. We Aim to Reduce Risk as You Near Retirement The Funds managers follow a strategy that shifts from capital appreciation to capital preservation. Each Fund s asset allocation starts out aggressive but becomes increasingly conservative as the target date approaches, reducing the potential risk of the portfolio and reflecting investors diminishing tolerance for risk. We Target Retirement Income You Can Sustain Our portfolio is made for savers who are ultimately looking for sufficient wealth and sustainable retirement income. The Funds managers strive to deliver attractive returns while defending the portfolios against market downturns and inflation. We Want You to Have Choices When You Retire Each PNC Target Date Fund maintains its lowest allocation to equity at the target date when the emphasis shifts to generating income and preserving capital. This allows investors the flexibility to take a distribution, allow their investment to automatically transition into PNC Retirement Income Fund, or design alternative retirement options. It s all about having choices. IF THIS IS YOUR AGE CHOOSE THIS PNC FUND TICKERS PNC Target 2050 Fund PDTIX (Class I) PDTJX (Class R) PNC Target 2040 Fund PDTGX (Class I) PDTHX (Class R) PNC Target 2030 Fund PDTEX (Class I) PDTFX (Class R) PNC Target 2020 Fund PDTCX (Class I) PDTDX (Class R) 65+ PNC Retirement Income Fund PDTAX (Class I) PDTBX (Class R) The age ranges above are merely suggested guidelines. Depending on your actual age, number of years until retirement, and risk tolerance, you may want to consider an alternate PNC Target Date Fund. We encourage you to speak to a financial advisor to choose the fund that is most appropriate for you.

6 The Funds are subject to several stock and bond market risks, any of which could cause an investor to lose money. However, based on the Funds current allocation between stocks and the less volatile asset class of bonds, the overall level of risk should be higher than those funds that invest the majority of the assets in bonds, but lower than those investing entirely in stocks. As the Funds allocation between underlying funds gradually changes, their overall level of risk also will decline. In addition to the risks inherent in the asset classes of the underlying funds, the Funds are also subject to asset allocation risk, which is the chance that the selection of underlying funds and the allocation of fund assets will cause the Funds to underperform other funds with a similar investment objective. For further details on all risks, please refer to the Funds prospectus. An investment in these Funds is not guaranteed, and you may experience losses, including losses near, at, or after the target date. There is no guarantee that the Funds will provide adequate income at and through your retirement. Asset allocation cannot guarantee a profit or prevent a loss. An investment in any of the Funds is subject to interest rate risk, which is the possibility that the Fund s yield will decline due to falling interest rates and the potential for bond prices to fall as interest rates rise. High yield bond investing includes special risks. Investments in lower rated and unrated debt securities are subject to a greater loss of principal and interest than investments in higher rated securities. The values of mortgage-backed securities depend on the credit quality and adequacy of the underlying assets or collateral and may be highly volatile. International investments are subject to special risks not ordinarily associated with domestic investments, including currency fluctuations, economic and political change and differing accounting standards that may adversely affect portfolio securities. These risks may be heightened in emerging markets. Investments in value companies can continue to be undervalued for long periods of time and be more volatile than the stock market in general. Investments in growth companies can be more sensitive to the company s earnings and more volatile than the stock market in general. Investments in small and mid capitalization companies present a greater risk of loss than investments in large companies. The Funds may invest a portion of their assets in derivatives. Derivative instruments include options, futures and options on futures. A small investment in derivatives could have a potentially large impact on the Funds performance. The Funds may be unable to terminate or sell a derivatives position. Derivative counterparties may suffer financial difficulties and may not fulfill their contractual obligations. Past performance does not guarantee future results. You should consider the investment objectives, risks, charges and expenses of PNC Funds carefully before investing. A prospectus or summary prospectus with this and other information may be obtained at FUND (3863) or pncfunds.com. The prospectus should be read carefully before investing. NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE PNC Capital Advisors, LLC, a subsidiary of The PNC Financial Services Group, Inc., serves as investment adviser and coadministrator to PNC Funds and receives fees for its services. PNC Funds are distributed by PNC Funds Distributor, LLC, which is not affiliated with the adviser and is not a bank. The PNC Financial Services Group, Inc. All rights reserved. PNC-TDB-0914

Your guide to investing for retirement with Fidelity Freedom K Funds.

Your guide to investing for retirement with Fidelity Freedom K Funds. Fidelity Freedom K Funds Your guide to investing for retirement with Fidelity Freedom K Funds. An all-in-one approach for simple investing. You may already know how important your workplace savings can

More information

Your guide to investing for retirement with Fidelity Freedom Index Funds Class W.

Your guide to investing for retirement with Fidelity Freedom Index Funds Class W. Funds Class W Your guide to investing for retirement with Fidelity Freedom Index Funds Class W. An all-in-one approach for simple investing. You may already know how important your workplace savings can

More information

401(k) Savings Plan Investment Fund Profiles Detailed Information on the JPMorgan Chase 401(k) Savings Plan Investment Funds

401(k) Savings Plan Investment Fund Profiles Detailed Information on the JPMorgan Chase 401(k) Savings Plan Investment Funds 401(k) Savings Plan Investment Fund Profiles Detailed Information on the JPMorgan Chase 401(k) Savings Plan Investment Funds Effective December 31, 2013 Please Note: Any significant subsequent updates

More information

The essentials of investing for retirement.

The essentials of investing for retirement. The essentials of investing for retirement. Fidelity has been helping people invest for retirement for more than 65 years. Some investors use our actively managed and index mutual funds. Some use our powerful

More information

With Scholar s Edge, New Mexico s 529 College Savings Plan,

With Scholar s Edge, New Mexico s 529 College Savings Plan, With Scholar s Edge, New Mexico s 529 College Savings Plan, You Can Get an Edge When You Save for College Table of Contents 1 3 EDGE 1 A 529 Plan that s almost as smart as your child EDGE 2 Potentially

More information

Diversified Managed Allocations

Diversified Managed Allocations Diversified Managed Allocations Multi-strategy portfolios with a focus on flexibility Is this program right for you? DMA is designed for investors who: Want experienced, professional money managers to

More information

ADVISORSHARES YIELDPRO ETF (NASDAQ Ticker: YPRO) SUMMARY PROSPECTUS November 1, 2015

ADVISORSHARES YIELDPRO ETF (NASDAQ Ticker: YPRO) SUMMARY PROSPECTUS November 1, 2015 ADVISORSHARES YIELDPRO ETF (NASDAQ Ticker: YPRO) SUMMARY PROSPECTUS November 1, 2015 Before you invest in the AdvisorShares Fund, you may want to review the Fund s prospectus and statement of additional

More information

Investment Policy Questionnaire

Investment Policy Questionnaire Investment Policy Questionnaire Name: Date: Ferguson Investment Services, PLLC Investment Policy Questionnaire Introduction: The information you provide on this questionnaire will remain confidential.

More information

What you will learn today. Different categories of investments Choosing your investment mix Common investor pitfalls Determining your next steps

What you will learn today. Different categories of investments Choosing your investment mix Common investor pitfalls Determining your next steps Investing 101 What you will learn today Different categories of investments Choosing your investment mix Common investor pitfalls Determining your next steps 2 Asset Allocation One of Your Most Important

More information

CHOOSING YOUR INVESTMENTS

CHOOSING YOUR INVESTMENTS CHOOSING YOUR INVESTMENTS FOR ASSISTANCE GO ONLINE For more information on your retirement plan, investment education, retirement planning tools and more, please go to www.tiaa-cref.org/carnegiemellon.

More information

ALLOCATION STRATEGIES A, C, & I SHARES PROSPECTUS August 1, 2015

ALLOCATION STRATEGIES A, C, & I SHARES PROSPECTUS August 1, 2015 ALLOCATION STRATEGIES A, C, & I SHARES PROSPECTUS August 1, 2015 Investment Adviser: RidgeWorth Investments A Shares C Shares I Shares Aggressive Growth Allocation Strategy SLAAX CLVLX CVMGX Conservative

More information

Guide to mutual fund investing. Start with the basics

Guide to mutual fund investing. Start with the basics Guide to mutual fund investing Start with the basics Pursue your financial goals Why do you invest? For a rainy day? A secure retirement? Funding a college tuition? Having a specific goal in mind will

More information

WHY FLEXSHARES? Based on Understanding. Built on Experience.

WHY FLEXSHARES? Based on Understanding. Built on Experience. WHY FLEXSHARES? Based on Understanding. Built on Experience. BASED ON UNDERSTANDING Most exchange traded funds (ETFs) are designed to track indexes. You invest for a reason, though and need to accomplish

More information

Determining your investment mix

Determining your investment mix Determining your investment mix Ten minutes from now, you could know your investment mix. And if your goal is to choose investment options that you can be comfortable with, this is an important step. The

More information

Your 401(k) Rollover Guide

Your 401(k) Rollover Guide Your 401(k) Rollover Guide The best approach to rollovers is often the simplest. A simple decision may make a big difference to your future. Whether you re changing jobs or retiring, leaving your employer

More information

RETIREMENT INSIGHTS. Is It Time to Rebalance Your Plan Investments? Mutual Fund Categories: A Primer for New Investors

RETIREMENT INSIGHTS. Is It Time to Rebalance Your Plan Investments? Mutual Fund Categories: A Primer for New Investors RETIREMENT INSIGHTS July 2014 Your HFS Team Heffernan Financial Services 188 Spear Street, Suite 550 San Francisco, CA 94105 800-437-0045 rebeccat@heffgroup.com www.heffgroupfs.com CA Insurance Lic# 0I18899

More information

Financial Wellness & Education. Understanding mutual funds

Financial Wellness & Education. Understanding mutual funds Financial Wellness & Education Understanding mutual funds Benefits of mutual funds Foresters Financial Services provides everyday families and individuals with financial solutions, guidance and tools,

More information

Personal Risk Profile and Asset Allocation A Guide to Investing Variable Product Series. Building your future with a secure partner

Personal Risk Profile and Asset Allocation A Guide to Investing Variable Product Series. Building your future with a secure partner Personal Risk Profile and Asset Allocation A Guide to Investing Variable Product Series Building your future with a secure partner SM Kansas City Life Insurance Company Investment basics Taking personal

More information

PRINCIPAL TRUST TARGET DATE FUNDS SUMMARY

PRINCIPAL TRUST TARGET DATE FUNDS SUMMARY Date Collective Investment s PRINCIPAL TRUST TARGET DATE FUNDS SUMMARY The date of this summary is October 28, 2015 This summary includes key information about the Trust Date Collective Investment s (each

More information

Start investing in yourself today, with help from the. Optional Retirement Plan (ORP) and Fidelity.

Start investing in yourself today, with help from the. Optional Retirement Plan (ORP) and Fidelity. State of Maryland - Institutions of Higher Education Optional Retirement Plan (ORP) Plan No. 65575 Start investing in yourself today, with help from the State of Maryland - Institutions of Higher Education

More information

I.A.M. National 401(k) Plan. Investment Options Summary

I.A.M. National 401(k) Plan. Investment Options Summary I.A.M. National 401(k) Plan Investment Options Summary The I.A.M. National 401(k) Plan offers a diverse investment lineup to meet the varied needs of our participants. The lineup includes 12 Retirement

More information

Nuveen Intelligent Risk Conservative Allocation Fund will be liquidated after the close of business on June 24, 2016.

Nuveen Intelligent Risk Conservative Allocation Fund will be liquidated after the close of business on June 24, 2016. NUVEEN INTELLIGENT RISK CONSERVATIVE ALLOCATION FUND SUPPLEMENT DATED APRIL 18, 2016 TO THE SUMMARY PROSPECTUS DATED DECEMBER 31, 2015 Nuveen Intelligent Risk Conservative Allocation Fund will be liquidated

More information

Professionally Managed Portfolios of Exchange-Traded Funds

Professionally Managed Portfolios of Exchange-Traded Funds ETF Portfolio Partners C o n f i d e n t i a l I n v e s t m e n t Q u e s t i o n n a i r e Professionally Managed Portfolios of Exchange-Traded Funds P a r t I : I n v e s t o r P r o f i l e Account

More information

With interest rates at historically low levels, and the U.S. economy showing continued strength,

With interest rates at historically low levels, and the U.S. economy showing continued strength, Managing Interest Rate Risk in Your Bond Holdings THE RIGHT STRATEGY MAY HELP FIXED INCOME PORTFOLIOS DURING PERIODS OF RISING INTEREST RATES. With interest rates at historically low levels, and the U.S.

More information

Growing your retirement portfolio is one thing. Getting income from it is another. Managed Income Strategies from TIAA-CREF

Growing your retirement portfolio is one thing. Getting income from it is another. Managed Income Strategies from TIAA-CREF Growing your retirement portfolio is one thing. Getting income from it is another. Managed Income Strategies from TIAA-CREF It s your portfolio. Shouldn t it provide income your way? You ve spent years

More information

Determining your investment mix.

Determining your investment mix. Determining your investment mix. Ten minutes from now, you could know your investment mix: And if your goal is to choose investment options that you can be comfortable with, this is an important step.

More information

I.A.M. National 401(k) Plan. Investment Options Summary

I.A.M. National 401(k) Plan. Investment Options Summary I.A.M. National 401(k) Plan Investment Options Summary The I.A.M. National 401(k) Plan offers a diverse investment lineup to meet the varied needs of our participants. The lineup includes 12 Retirement

More information

Dow Jones Target Date Funds

Dow Jones Target Date Funds Wells Fargo Advantage Funds July 1, 2015 Dow Jones Target Date Funds Prospectus Classes A, B, C Target Today Fund Class A STWRX, Class B WFOKX, Class C WFODX Target 2010 Fund Class A STNRX, Class B SPTBX,

More information

CalPERS 457 Plan Target Retirement Date Funds

CalPERS 457 Plan Target Retirement Date Funds CalPERS 457 Plan Target Retirement Date s September 30, 2015 Overview Target Retirement Date s (the "" or "s") are a series of diversified funds, each of which has a predetermined underlying asset mix

More information

YOUR GUIDE TO GETTING STARTED

YOUR GUIDE TO GETTING STARTED George Mason University Cash Match Plan (#72170) Invest in your retirement and yourself today, with help from The George Mason 401(a) Match Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some

More information

Retirement Balanced Fund

Retirement Balanced Fund SUMMARY PROSPECTUS TRRIX October 1, 2015 T. Rowe Price Retirement Balanced Fund A fund designed for retired investors seeking capital growth and income through investments in a combination of T. Rowe Price

More information

ANNUITIES VARIABLE. MetLife Retirement Perspectives. asset allocation questionnaire

ANNUITIES VARIABLE. MetLife Retirement Perspectives. asset allocation questionnaire LINE BAN ANNUITIES VARIABLE MetLife Retirement Perspectives asset allocation questionnaire Asset Allocation Questionnaire The following questions will enable you to determine your time horizon and risk

More information

Investing Toward Retirement

Investing Toward Retirement ONS Congress 2013 Investing Toward Retirement Janet L Marcantonio, CFP, CRPC Thomas Robinson, CFP Marcantonio Robinson Wealth Advisory Group UBS Financial Services 1 Learning objectives Understand the

More information

IU Tax Deferred Annuity Plan (51913) IU TDA Plan. Start investing in yourself today, with help from IU TDA Plan and Fidelity.

IU Tax Deferred Annuity Plan (51913) IU TDA Plan. Start investing in yourself today, with help from IU TDA Plan and Fidelity. IU Tax Deferred Annuity Plan (51913) IU TDA Plan Start investing in yourself today, with help from IU TDA Plan and Fidelity. Invest some of what you earn today for what you plan to accomplish tomorrow.

More information

TAKE THE W HEE L. Retirement Savings Plan

TAKE THE W HEE L. Retirement Savings Plan TAKE THE W HEE L Retirement Savings Plan PG 1 The road to retirement is calling your name Retirement. For many people, it s a dream destination. But getting there can be a challenge. Financial experts

More information

Waddell & Reed Advisors Select Plus Annuity SM Invest in your future

Waddell & Reed Advisors Select Plus Annuity SM Invest in your future Investment choices performance report January 31, 2016 Waddell & Reed Advisors Select Plus Annuity SM Invest in your future Answers to frequently asked questions. What you should know about purchasing

More information

The Pinnacle Funds. Simplified Prospectus. December 11, 2009 Class A and Class F units and Class I units where noted. Money Market Fund.

The Pinnacle Funds. Simplified Prospectus. December 11, 2009 Class A and Class F units and Class I units where noted. Money Market Fund. The Pinnacle Funds Simplified Prospectus December 11, 2009 Class A and Class F units and Class I units where noted Money Market Fund Pinnacle Short Term Income Fund Bond Funds Pinnacle Income Fund Pinnacle

More information

Verizon 401(k) Savings Plan Investment Advice

Verizon 401(k) Savings Plan Investment Advice Verizon 401(k) Savings Plan Investment Advice This message is intended to provide guidance to Verizon corporation employees to assist them in investing their savings plan assets more efficiently. If you

More information

Distribution-Focused Strategies A cash flow strategy for retirement

Distribution-Focused Strategies A cash flow strategy for retirement Distribution-Focused Strategies A cash flow strategy for retirement Designed by advisors to meet the need for steady cash flows in retirement with extensive flexibility and control all with low costs.

More information

Building an Investment Strategy

Building an Investment Strategy Building an Investment Strategy Building an investment strategy that meets your risk tolerance and investment objectives is critical to successfully preparing for retirement. There are three key steps

More information

Balanced Fund RPBAX. T. Rowe Price SUMMARY PROSPECTUS

Balanced Fund RPBAX. T. Rowe Price SUMMARY PROSPECTUS SUMMARY PROSPECTUS RPBAX May 1, 2016 T. Rowe Price Balanced Fund A fund seeking capital growth and current income through a portfolio of approximately 65% stocks and 35% fixed income securities. Before

More information

LONG-TERM INVESTMENT PERFORMANCE

LONG-TERM INVESTMENT PERFORMANCE LONG-TERM INVESTMENT PERFORMANCE Source: Created by Raymond James using Ibbotson Presentation Materials 2011 Morningstar. All Rights Reserved. 3/1/2011 Used with permission. TYPES OF ASSET CLASSES Stocks

More information

Workplace Education Series. Making the Most of Your New Workplace Savings Plan

Workplace Education Series. Making the Most of Your New Workplace Savings Plan Making the Most of Your New Workplace Savings Plan Making the Most of Your New Workplace Savings Plan Guiding you through exciting plan changes ahead Today s agenda: New plan features Steps to prioritizing

More information

Vanguard Financial Education Series investing. How to invest your retirement savings

Vanguard Financial Education Series investing. How to invest your retirement savings Vanguard Financial Education Series investing How to invest your retirement savings During your working life, you ve saved and invested for retirement. Now that you re finally reaching retirement, consider

More information

smart Two Paths to Investing for Retirement Which one is right for you? Massachusetts Deferred Compensation SMART Plan INVEST

smart Two Paths to Investing for Retirement Which one is right for you? Massachusetts Deferred Compensation SMART Plan INVEST smart S A V E M O N E Y A N D R E T I R E T O M O R R O W INVEST Two Paths to Investing for Retirement Which one is right for you? Massachusetts Deferred Compensation SMART Plan Office of the State Treasurer

More information

How to choose investments for your retirement

How to choose investments for your retirement How to choose investments for your retirement You have a lot of investment options in your retirement plan. Find out how to choose among them with this brochure. To put your financial plan into action,

More information

REIT QUICK FACTS GUIDE

REIT QUICK FACTS GUIDE REIT QUICK FACTS GUIDE FOR FINANCIAL ADVISORS Guidelines for Strategic Portfolio Diversification FINRA-Reviewed Fact Sheets on Stock Exchange-Listed Equity REITs Additional References for Advisors THERE

More information

Future Scholar Direct Program Portfolio Construction. Moderate Growth 529 Portfolio. Moderate 529 Portfolio. Moderate Growth 529 Portfolio

Future Scholar Direct Program Portfolio Construction. Moderate Growth 529 Portfolio. Moderate 529 Portfolio. Moderate Growth 529 Portfolio Future Scholar Direct Program Construction The Future Scholar 29 College Savings Plan offers three investment options, each with a variety of portfolios designed to help meet your college saving needs.

More information

INVEST. Estimate your risk tolerance. saving : investing : planning

INVEST. Estimate your risk tolerance. saving : investing : planning INVEST Estimate your risk tolerance saving : investing : planning Estimate your risk tolerance By answering these eight questions and adding their point total, you can get a rough estimate of your risk

More information

Mutual Funds Made Simple. Brighten your future with investments

Mutual Funds Made Simple. Brighten your future with investments Mutual Funds Made Simple Brighten your future with investments About Invesco Aim When it comes to investing, your sights are set on a financial summit a college diploma, new home or secure retirement.

More information

Mutual Fund Advisory Program

Mutual Fund Advisory Program Mutual Fund Advisory Program GIVING YOU ACCESS TO A WIDE RANGE OF PROFESSIONALLY MANAGED MUTUAL FUND PORTFOLIOS THE MUTUAL FUND ADVISORY PROGRAM OFFERS YOU: > Access to actively managed investment solutions

More information

American Funds Insurance Series. U.S. Government/ AAA-Rated Securities Fund. Summary prospectus Class 3 shares May 1, 2016

American Funds Insurance Series. U.S. Government/ AAA-Rated Securities Fund. Summary prospectus Class 3 shares May 1, 2016 American Funds Insurance Series U.S. Government/ AAA-Rated Securities Fund Summary prospectus Class 3 shares May 1, 2016 Before you invest, you may want to review the fund s prospectus and statement of

More information

Diversified Growth SM Variable Universal Life. Protection and accumulation that adjust with your life. A better way of life

Diversified Growth SM Variable Universal Life. Protection and accumulation that adjust with your life. A better way of life Diversified Growth SM Variable Universal Life Protection and accumulation that adjust with your life A better way of life Add to your peace of mind, while adding to your assets You want and need to protect

More information

INVESTING MADE SIMPLE

INVESTING MADE SIMPLE Investing Fundamentals INVESTING MADE SIMPLE AN EDUCATIONAL GUIDE FOR EVERY INVESTOR. INVEST WITH CONFIDENCE. HuntingtonFunds.com 1 1 Your Guide to the Basics of Investing Through Mutual Funds Mutual funds

More information

IU Retirement Plan (57524) Start investing in yourself today, with help from IU Retirement Plan and Fidelity.

IU Retirement Plan (57524) Start investing in yourself today, with help from IU Retirement Plan and Fidelity. IU Retirement Plan (57524) Start investing in yourself today, with help from IU Retirement Plan and Fidelity. Invest some of what you earn today for what you plan to accomplish tomorrow. Dear Indiana University

More information

Investor Profile Questionnaire. Client s Name: Advisor s Name: Date: Financial Goal: 4729-00A-JUNE15

Investor Profile Questionnaire. Client s Name: Advisor s Name: Date: Financial Goal: 4729-00A-JUNE15 Investor Profile Questionnaire Client s Name: Advisor s Name: Date: Financial Goal: 4729-00A-JUNE15 Questionnaire 1. When will you need access to this investment portfolio, whether by way of regular withdrawals

More information

Please read this important information for Yale University Matching Retirement Plan participants

Please read this important information for Yale University Matching Retirement Plan participants Please read this important information for Yale University Matching Retirement Plan participants This notice gives you important information about the default investment funds selected for the Matching

More information

Target Retirement Funds

Target Retirement Funds Prospectus March 1, 2015 Target Retirement Funds Institutional Class Administrative Class Investor Class Harbor Target Retirement Income Fund HARAX HARBX HARCX Harbor Target Retirement 2015 Fund HARGX

More information

T. Rowe Price Target Retirement 2030 Fund Advisor Class

T. Rowe Price Target Retirement 2030 Fund Advisor Class T. Rowe Price Target Retirement 2030 Fund Advisor Class Supplement to Summary Prospectus Dated October 1, 2015 Effective February 1, 2016, the T. Rowe Price Mid-Cap Index Fund and the T. Rowe Price Small-Cap

More information

Spectrum of Investment Options

Spectrum of Investment Options Kentucky Deferred Comp Spectrum of Investment Options Your guide to available investment options. Tier 1 Target Date Funds, Balanced Fund Target Date Funds Vanguard Target Retirement Funds (in five-year

More information

Putnam 529 for AmericaSM

Putnam 529 for AmericaSM Putnam 529 for AmericaSM They are the faces of the future. They will invent things we can t even envision. Discover cures with global reach. Tackle challenges far greater than ours. We can t imagine all

More information

May 1, 2015 as amended June 1, 2015

May 1, 2015 as amended June 1, 2015 INSTITUTIONAL INVESTOR May 1, 2015 as amended June 1, 2015 DATE TARGET FUNDS MyDestination 2005 Fund MyDestination 2015 Fund MyDestination 2025 Fund MyDestination 2035 Fund MyDestination 2045 Fund MyDestination

More information

SUMMARY PROSPECTUS. TCW High Yield Bond Fund FEBRUARY 29 I SHARE: TGHYX N SHARE: TGHNX

SUMMARY PROSPECTUS. TCW High Yield Bond Fund FEBRUARY 29 I SHARE: TGHYX N SHARE: TGHNX TCW High Yield Bond Fund I SHARE: TGHYX N SHARE: TGHNX 20 6 FEBRUARY 29 SUMMARY PROSPECTUS Before you invest, you may want to review the Fund s Prospectus which contain more information about the Fund

More information

BBIF Government Securities Fund BBIF Tax-Exempt Fund. Shareholders should retain this Supplement for future reference.

BBIF Government Securities Fund BBIF Tax-Exempt Fund. Shareholders should retain this Supplement for future reference. BBIF Government Securities Fund BBIF Tax-Exempt Fund Supplement dated April 22, 2016 to the Prospectus, Summary Prospectuses and Statement of Additional Information of the Funds, dated January 4, 2016

More information

Asset Management Portfolio Solutions Disciplined Process. Customized Approach. Risk-Based Strategies.

Asset Management Portfolio Solutions Disciplined Process. Customized Approach. Risk-Based Strategies. INSTITUTIONAL TRUST & CUSTODY Asset Management Portfolio Solutions Disciplined Process. Customized Approach. Risk-Based Strategies. As one of the fastest growing investment managers in the nation, U.S.

More information

universal life UNIVERSAL LIFE INVESTOR PROFILER QUESTIONNAIRE

universal life UNIVERSAL LIFE INVESTOR PROFILER QUESTIONNAIRE universal life UNIVERSAL LIFE INVEST PROFILER QUESTIONNAIRE UNIVERSAL LIFE INVEST PROFILER QUESTIONNAIRE Universal life combines the benefits of cost-effective life insurance protection with tax-advantaged

More information

SECURITY BENEFIT. Advisor Program. MUTUAL FUNDS FOR IRA SEP/SIMPLE IRA 403(b)(7)

SECURITY BENEFIT. Advisor Program. MUTUAL FUNDS FOR IRA SEP/SIMPLE IRA 403(b)(7) SECURITY BENEFIT Advisor Program MUTUAL FUNDS FOR IRA SEP/SIMPLE IRA 403(b)(7) Security Benefit Advisor Program SAVE AND CONSOLIDATE DIVERSIFY YOUR PORTFOLIO CREATE DYNAMIC STRATEGIES Security Benefit

More information

Choosing Your Investments. North Dakota Public Employees Retirement System

Choosing Your Investments. North Dakota Public Employees Retirement System Choosing Your Investments North Dakota Public Employees Retirement System For Assistance, Contact Us Today For more information, advice or help opening an account, it s easy to reach us: By Phone Call

More information

Invesco Mutual Funds. Invesco Balanced-Risk Retirement Funds An innovative approach to saving for retirement

Invesco Mutual Funds. Invesco Balanced-Risk Retirement Funds An innovative approach to saving for retirement Invesco Mutual Funds Invesco Balanced-isk etirement Funds n innovative approach to saving for retirement Invesco Balanced-isk etirement Funds Offering risk-aware portfolios that can help investors of

More information

Target Retirement Funds

Target Retirement Funds Target Retirement Funds Frequently Asked Questions FOR YOUR LIFE AND CAREER Target Retirement Funds Frequently Asked Questions What is a Target Retirement Fund? A Target Retirement Fund (often referred

More information

Sophisticated investments. Simple to use.

Sophisticated investments. Simple to use. Russell LifePoints INSTITUTIONAL TARGET DATE FUNDS Sophisticated investments. Simple to use. INVESTED. TOGETHER. Now your default option can be your best option. If your target date funds are projected

More information

Start investing in yourself today, with help from the University System of Maryland Supplemental 403(b) Plan and Fidelity.

Start investing in yourself today, with help from the University System of Maryland Supplemental 403(b) Plan and Fidelity. University System of Maryland Supplemental 403(b) Plan (#65612) Start investing in yourself today, with help from the University System of Maryland Supplemental 403(b) Plan and Fidelity. Invest some of

More information

Keeping it Simple: White Paper. Lifestyle Funds: A Streamlined Approach

Keeping it Simple: White Paper. Lifestyle Funds: A Streamlined Approach Keeping it Simple: Lifestyle Funds for Retirement Planning Retirement investors who suspect that things are more complicated than they used to be can take heart from the findings of a new study by American

More information

CHOOSING YOUR INVESTMENTS

CHOOSING YOUR INVESTMENTS CHOOSING YOUR INVESTMENTS FOR ASSISTANCE CONTACT US TODAY FOR MORE INFORMATION, ADVICE OR HELP OPENING AN ACCOUNT, IT S EASY TO REACH US: BY PHONE Call us at 800 TIAA-CREF (800 842-2273) to speak with

More information

SFDCP TARGET DATE FUND PORTFOLIO SUMMARY: January 29, 2016

SFDCP TARGET DATE FUND PORTFOLIO SUMMARY: January 29, 2016 SFDCP TARGET DATE FUND PORTFOLIO SUMMARY: January 29, 2016 SFDCP Target Date Funds Overview SFDCP Target Date Funds (each, a Fund and collectively the Funds or the SFDCP Target Date Funds ) were developed

More information

BlackRock Diversified Income Portfolio. A portfolio from Fidelity Investments designed to seek income while managing risk

BlackRock Diversified Income Portfolio. A portfolio from Fidelity Investments designed to seek income while managing risk BlackRock Diversified Income Portfolio A portfolio from Fidelity Investments designed to seek income while managing risk Fidelity Investments has formed a strategic alliance with BlackRock Investment Management,

More information

RISK ASSESSMENT QUESTIONNAIRE

RISK ASSESSMENT QUESTIONNAIRE Time Horizon 6/14 Your current situation and future income needs. 1. What is your current age? 2. When do you expect to start drawing income? A Less than 45 A Not for at least 20 years B 45 to 55 B In

More information

Vanguard Target Retirement Funds

Vanguard Target Retirement Funds Vanguard Target Retirement Funds Supplement to the Prospectus Dated January 27, 2014 Prospectus Text Changes The Average Annual Total Returns table for Vanguard Target Retirement Income Fund is replaced

More information

EXPLORE. Investment Planning Planning for Financial Security SAVING : INVESTING : PLANNING

EXPLORE. Investment Planning Planning for Financial Security SAVING : INVESTING : PLANNING EXPLORE Investment Planning Planning for Financial Security SAVING : INVESTING : PLANNING About this seminar Presentation > Provides comprehensive education > Includes action steps > Provides opportunity

More information

PowerShares Smart Beta Income Portfolio 2016-1 PowerShares Smart Beta Growth & Income Portfolio 2016-1 PowerShares Smart Beta Growth Portfolio 2016-1

PowerShares Smart Beta Income Portfolio 2016-1 PowerShares Smart Beta Growth & Income Portfolio 2016-1 PowerShares Smart Beta Growth Portfolio 2016-1 PowerShares Smart Beta Income Portfolio 2016-1 PowerShares Smart Beta Growth & Income Portfolio 2016-1 PowerShares Smart Beta Growth Portfolio 2016-1 The unit investment trusts named above (the Portfolios

More information

Nuveen Tactical Market Opportunities Fund

Nuveen Tactical Market Opportunities Fund Nuveen Tactical Market Opportunities Fund Summary Prospectus January 29, 2016 Ticker: Class A NTMAX, Class C NTMCX, Class I FGTYX This summary prospectus is designed to provide investors with key Fund

More information

Market Linked Certificates of Deposit

Market Linked Certificates of Deposit Market Linked Certificates of Deposit This material was prepared by Wells Fargo Securities, LLC, a registered brokerdealer and separate non-bank affiliate of Wells Fargo & Company. This material is not

More information

Life isn t always simple. Investing in it can be. Introducing Retirement Strategy Funds

Life isn t always simple. Investing in it can be. Introducing Retirement Strategy Funds Life isn t always simple. Investing in it can be. Introducing Retirement Strategy Funds Message From the Director How do these funds make my life simpler? We all have many priorities competing for our

More information

Putnam RetirementReady Funds 11 30 07 Prospectus

Putnam RetirementReady Funds 11 30 07 Prospectus Putnam RetirementReady Funds 11 30 07 Prospectus CONTENTS Fund summaries......................2 Goals..............................2 Main investment strategies.............2 Main risks...........................5

More information

Seix Total Return Bond Fund

Seix Total Return Bond Fund Summary Prospectus Seix Total Return Bond Fund AUGUST 1, 2015 (AS REVISED FEBRUARY 1, 2016) Class / Ticker Symbol A / CBPSX R / SCBLX I / SAMFX IS / SAMZX Before you invest, you may want to review the

More information

The journey to financial well-being starts with you.

The journey to financial well-being starts with you. TIAA-CREF Private Asset Management The journey to financial well-being starts with you. And the people you trust. What are your financial goals? What does financial well-being mean to you? What do you

More information

ILLINOIS 529 COLLEGE SAVINGS PLAN

ILLINOIS 529 COLLEGE SAVINGS PLAN ILLINOIS 529 COLLEGE SAVINGS PLAN Thinking about saving for your child s college education can be overwhelming. Stories of rising college loan debt and tuition increases do little to settle the nerves

More information

Six Strategies for Volatile Markets When markets get choppy, it pays to have a plan for your investments, and to stick to it.

Six Strategies for Volatile Markets When markets get choppy, it pays to have a plan for your investments, and to stick to it. Six Strategies for Volatile Markets When markets get choppy, it pays to have a plan for your investments, and to stick to it. Fidelity Viewpoints 8/22/15 The markets have become volatile again, prompted

More information

Your Guide to Investment Changes to the Halliburton Retirement and Savings Plan

Your Guide to Investment Changes to the Halliburton Retirement and Savings Plan Your Guide to Investment Changes to the Halliburton Retirement and Savings Plan Building Smart Investments New Investment Options Coming in June The Halliburton Retirement and Savings Plan (the Plan )

More information

A portfolio that matches your plans.

A portfolio that matches your plans. A portfolio that matches your plans. Amerivest Core Portfolios powered by Morningstar Associates Expert investment management Tailored portfolio recommendations Straightforward, competitive pricing Dedicated

More information

Money At Work 1: Foundations of investing

Money At Work 1: Foundations of investing It s not about how much money you earn. It s about how much you save and invest. November 12, 2015 A TIAA-CREF Financial Essentials Workshop Bill Thorne TIAA-CREF Money At Work 1: Foundations of investing

More information

Good for you now, better for you later

Good for you now, better for you later Mutual Funds BMO Retirement Portfolios Good for you now, better for you later Just as a nutritious diet and exercise will help you live a longer and more fulfilling life, so too will a healthy investment

More information

WHEATON COLLEGE RETIREMENT PLAN QUALIFIED DEFAULT INVESTMENT ALTERNATIVE NOTICE

WHEATON COLLEGE RETIREMENT PLAN QUALIFIED DEFAULT INVESTMENT ALTERNATIVE NOTICE WHEATON COLLEGE RETIREMENT PLAN QUALIFIED DEFAULT INVESTMENT ALTERNATIVE NOTICE FY 2016 PLAN YEAR The Wheaton College Retirement Plan (the "Plan") permits each Participant to direct how money in her/his

More information

Learn how a Putnam IRA can help you save for retirement

Learn how a Putnam IRA can help you save for retirement Learn how a Putnam IRA can help you save for retirement Traditional and Roth putnam.com/ira How will you use your IRA savings? The vast majority of Traditional IRA owners plan to make withdrawals to pay

More information

Building Your Retirement Portfolio

Building Your Retirement Portfolio Building Your Retirement Portfolio With the Help of TIAA-CREF 111075_L01.indd 1 ABOUT TIAA-CREF: For more than 90 years, we at TIAA-CREF have dedicated ourselves to helping those who serve the greater

More information

ILLINOIS 529 COLLEGE SAVINGS PLAN

ILLINOIS 529 COLLEGE SAVINGS PLAN ILLINOIS 529 COLLEGE SAVINGS PLAN Thinking about saving for your child s college education can be overwhelming. Stories of rising college loan debt and tuition increases do little to settle the nerves

More information

Welcome! Thanks for investing your time today.

Welcome! Thanks for investing your time today. Welcome! Thanks for investing your time today. Please sign in Fill out your name tag Address your mail card It s not about how much money you earn. It s about how much you save and invest. October 2015

More information

LIFETIME WEALTH PORTFOLIOS LIFETIME WEALTH PORTFOLIOS. wealth management solutions LIFETIME WEALTH PORTFOLIOS. wealth management solutions

LIFETIME WEALTH PORTFOLIOS LIFETIME WEALTH PORTFOLIOS. wealth management solutions LIFETIME WEALTH PORTFOLIOS. wealth management solutions LIFETIME WEALTH PORTFOLIOS LIFETIME WEALTH PORTFOLIOS wealth management solutions LIFETIME WEALTH PORTFOLIOS wealth management solutions 1 WEALTH MANAGEMENT FOR LIFE Investing wisely for the future can

More information

Equity Investing Evolved Manage risk, stay invested

Equity Investing Evolved Manage risk, stay invested Equity Investing Evolved Manage risk, stay invested HSBC Buffered Strategies Are you on track to meet your retirement and investment goals? Have extreme market swings prevented you from investing? Would

More information