- Women and Investing
A Woman's Journey Toward Financial Independence.
- Investing Basics
Learn about the different asset classes, asset allocation and diversification.
- Your Asset Allocation
What is asset allocation and why is it important? Learn how to choose an appropriate asset allocation mix according to your risk tolerance, time until retirement, and financial situation.
- Achieve What’s Ahead
Look ahead to your life in retirement, what do you see? Learn how saving through your workplace retirement plan can help you achieve the life you see ahead.
- What is asset allocation?
It's an investment strategy. Asset allocation is the strategy of spreading specific percentages of your investment among stocks, bonds and cash equivalents. No investment strategy, including asset allocation and diversification, can guarantee a profit or protect against loss.
- What is diversification?
It's an investment strategy. Diversification is the strategy of spreading your investments among different types of investments within the asset classes of stocks, bonds and cash equivalents to help reduce overall investment risk. No investment strategy, including asset allocation and diversification, can guarantee a profit or protect against loss.
- What is rebalancing?
It's an investment strategy. Over time, some of your investment will go up and others will go down. If this continues, you may eventually end up with a different investment mix than what you intended. Rebalancing is the process of bringing your investments back to their original strategy. You should check your account at least annually to make sure you have the investment mix you desire. You may also want to check to see if your Plan offers a systematic investment program. With systematic investing, you select how you want to invest your money, and your account is automatically rebalanced on a frequency you select. Systematic investing does not assure a profit or protect against a loss.
- What is my Personalized Rate of Return (PROR)?
Your Personalized Rate of Return (PROR) measures your account performance. It reflects the performance measure of your investments and helps you track your own account performance. The Personalized Rate of Return is a unique number, affected not only by your investment choices, but also by the activity in your account. By logging in, you can view your monthly and year-to-date PROR information.
No investment strategy, including asset allocation and diversification, can guarantee a profit or protect against loss.