How to Choose Your Investment Options
Contributions are automatically invested in the Money Market Fund. You can change how future contributions are invested and/or transfer all or a portion of your existing account balance among any of the investment options offered by the plan. Trading restriction: you may not transfer balances directly from the Stable Value Fund to the Money Market Fund.
What to consider when choosing an investment allocation
Research the investment options offered by the plan. Consider the investment objectives, risks, and expenses of the options carefully.
Diversification. A diversified portfolio (one that spreads your account balance among several different investment options), can help manage investment risk because a single investment option doesn't carry the load of your portfolio.
Using Asset Allocation or Diversification as part of your investment strategy neither assures nor guarantees better performance and cannot protect against loss in declining markets.
Time horizon. Your time horizon is the number of years you have to save and invest before you are eligible to request reimbursements. A younger investor may be more comfortable investing in options that carry more risk because there is more time to weather the ups and downs in investment performance. As you near retirement, if your goal is to preserve principal, you may want to consider shifting a greater portion of your account balance to more conservative investment options.
Review your investments regularly
An investment allocation that meets your needs today may not necessarily be appropriate for you in the future. Your allocation should be reviewed as your goals, time horizon, and personal situation changes.
Changing your investment mix
See How to Change Your Investment Options