Make a Plan

You’ve identified your goals and learned about account types that could work for you. Now you need to create your portfolio.

The model portfolios outlined below can help make the process easier by providing a sample asset allocation.  Each group — conservative, moderate and aggressive — is geared toward goals that have a different time horizon (that is, the time until you need to use the money). And each option within the group progresses from least risky to most risky.

You can find more details about how to make your choice on our Big Picture Planning goal page.

Review the options below and select the model portfolio that best matches your needs. When you click “Open Account” you will be directed to the Account Application section of the website. Your online application will be pre-populated with the fund names and percent allocations that correspond to the model portfolio you selected. Or, if you want a little more help, you can simplify your investment by choosing one of our Prebuilt Portfolios.

Conservative Portfolios

These portfolios are for shorter-term goals or anything that needs protection over growth, such as your emergency fund or savings for a home down payment.  
They are lower risk with less potential for return.

Conservative 1
Conservative 1

Asset Class Allocation

  • Cash
  • 10%
  • Short-Term Bonds
  • 60%
  • Intermediate-Term Bonds
  • 15%
  • Large-Cap Value Stocks
  • 5%
  • Large-Cap Growth Stocks
  • 5%
  • International Stocks
  • 5%
  • Small-Cap Stocks
  • 0%

Portfolio Characteristics

  • Short time horizon: 1 — 3 years
  • Conservative portfolio
  • Lower risk compared to moderate and aggressive portfolios
  • Less potential for return
Read More

You understand that this prebuilt or model mutual fund portfolio is a self-directed educational program designed to assist you in identifying investment strategies and allocations based solely on criteria that you define. This program is not designed to yield results specific to your specific goals, financial situation, risk tolerance, or liquidity needs and should not be relied upon, in any way, to determine the suitability of an investment for you. Before buying or selling any investment, you should consult a financial advisor and carefully consider your specific goals, financial situation, risk tolerance, and liquidity needs, and determine on your own whether the investment strategy, including the particular mutual funds and allocations, is suitable for you.

Prebuilt and model mutual fund portfolios do not utilize any rebalancing methodologies and also will not be rebalanced when deposits or withdrawals are made. A rebalancing strategy seeks to minimize relative risk by aligning the portfolio to a target asset allocation as the portfolio’s asset allocation changes. Not rebalancing a portfolio may over time change its risk and return characteristics. Furthermore, strategies that do not rebalance may not address prolonged changes in market conditions. You are responsible for monitoring your investments and their performance and for determining whether your investments should be rebalanced.

There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives, provide you with a given level of income or protect against a loss in a declining market.

Investment return and principal value of an investment will fluctuate. An investor’s shares, when redeemed, may be worth more or less than their original cost. Investing in mutual funds involves risk, including the possible loss of principal. Past performance does not guarantee future results.

Investors should carefully consider fund objectives risks, charges and expenses before investing. The prospectus contains this and other information about the funds and should be read carefully before investing. To obtain a prospectus, call 1-800-258-3030 or download a PDF of it now.

Conservative 2
Conservative 2

Asset Class Allocation

  • Cash
  • 10%
  • Short-Term Bonds
  • 50%
  • Intermediate-Term Bonds
  • 20%
  • Large-Cap Value Stocks
  • 10%
  • Large-Cap Growth Stocks
  • 5%
  • International Stocks
  • 5%
  • Small-Cap Stocks
  • 0%

Portfolio Characteristics

  • Short time horizon: 1 — 3 years
  • Conservative portfolio
  • Lower risk compared to moderate and aggressive portfolios
  • Less potential for return
Read More

You understand that this prebuilt or model mutual fund portfolio is a self-directed educational program designed to assist you in identifying investment strategies and allocations based solely on criteria that you define. This program is not designed to yield results specific to your specific goals, financial situation, risk tolerance, or liquidity needs and should not be relied upon, in any way, to determine the suitability of an investment for you. Before buying or selling any investment, you should consult a financial advisor and carefully consider your specific goals, financial situation, risk tolerance, and liquidity needs, and determine on your own whether the investment strategy, including the particular mutual funds and allocations, is suitable for you.

Prebuilt and model mutual fund portfolios do not utilize any rebalancing methodologies and also will not be rebalanced when deposits or withdrawals are made. A rebalancing strategy seeks to minimize relative risk by aligning the portfolio to a target asset allocation as the portfolio’s asset allocation changes. Not rebalancing a portfolio may over time change its risk and return characteristics. Furthermore, strategies that do not rebalance may not address prolonged changes in market conditions. You are responsible for monitoring your investments and their performance and for determining whether your investments should be rebalanced.

There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives, provide you with a given level of income or protect against a loss in a declining market.

Investment return and principal value of an investment will fluctuate. An investor’s shares, when redeemed, may be worth more or less than their original cost. Investing in mutual funds involves risk, including the possible loss of principal. Past performance does not guarantee future results.

Investors should carefully consider fund objectives risks, charges and expenses before investing. The prospectus contains this and other information about the funds and should be read carefully before investing. To obtain a prospectus, call 1-800-258-3030 or download a PDF of it now.

Conservative 3
Conservative 3

Asset Class Allocation

  • Cash
  • 10%
  • Short-Term Bonds
  • 35%
  • Intermediate-Term Bonds
  • 25%
  • Large-Cap Value Stocks
  • 10%
  • Large-Cap Growth Stocks
  • 10%
  • International Stocks
  • 10%
  • Small-Cap Stocks
  • 0%

Portfolio Characteristics

  • Short time horizon: 1 — 3 years
  • Conservative portfolio
  • Lower risk compared to moderate and aggressive portfolios
  • Less potential for return
Read More

You understand that this prebuilt or model mutual fund portfolio is a self-directed educational program designed to assist you in identifying investment strategies and allocations based solely on criteria that you define. This program is not designed to yield results specific to your specific goals, financial situation, risk tolerance, or liquidity needs and should not be relied upon, in any way, to determine the suitability of an investment for you. Before buying or selling any investment, you should consult a financial advisor and carefully consider your specific goals, financial situation, risk tolerance, and liquidity needs, and determine on your own whether the investment strategy, including the particular mutual funds and allocations, is suitable for you.

Prebuilt and model mutual fund portfolios do not utilize any rebalancing methodologies and also will not be rebalanced when deposits or withdrawals are made. A rebalancing strategy seeks to minimize relative risk by aligning the portfolio to a target asset allocation as the portfolio’s asset allocation changes. Not rebalancing a portfolio may over time change its risk and return characteristics. Furthermore, strategies that do not rebalance may not address prolonged changes in market conditions. You are responsible for monitoring your investments and their performance and for determining whether your investments should be rebalanced.

There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives, provide you with a given level of income or protect against a loss in a declining market.

Investment return and principal value of an investment will fluctuate. An investor’s shares, when redeemed, may be worth more or less than their original cost. Investing in mutual funds involves risk, including the possible loss of principal. Past performance does not guarantee future results.

Investors should carefully consider fund objectives risks, charges and expenses before investing. The prospectus contains this and other information about the funds and should be read carefully before investing. To obtain a prospectus, call 1-800-258-3030 or download a PDF of it now.

Moderate Portfolios

These portfolios are for medium-term goals typically in the four-to-seven-year range with some flexibility. They have more risk with more potential for return.  May be appropriate for investment goals such as a new boat or a wedding. 

Moderate 1
Moderate 1

Asset Class Allocation

  • Cash
  • 10%
  • Short-Term Bonds
  • 30%
  • Intermediate-Term Bonds
  • 20%
  • Large-Cap Value Stocks
  • 15%
  • Large-Cap Growth Stocks
  • 15%
  • International Stocks
  • 5%
  • Small-Cap Stocks
  • 5%

Portfolio Characteristics

  • Medium time horizon: 4 — 7 years
  • Moderate portfolio
  • Higher risk compared to the conservative portfolios
  • More potential for return
Read More

You understand that this prebuilt or model mutual fund portfolio is a self-directed educational program designed to assist you in identifying investment strategies and allocations based solely on criteria that you define. This program is not designed to yield results specific to your specific goals, financial situation, risk tolerance, or liquidity needs and should not be relied upon, in any way, to determine the suitability of an investment for you. Before buying or selling any investment, you should consult a financial advisor and carefully consider your specific goals, financial situation, risk tolerance, and liquidity needs, and determine on your own whether the investment strategy, including the particular mutual funds and allocations, is suitable for you.

Prebuilt and model mutual fund portfolios do not utilize any rebalancing methodologies and also will not be rebalanced when deposits or withdrawals are made. A rebalancing strategy seeks to minimize relative risk by aligning the portfolio to a target asset allocation as the portfolio’s asset allocation changes. Not rebalancing a portfolio may over time change its risk and return characteristics. Furthermore, strategies that do not rebalance may not address prolonged changes in market conditions. You are responsible for monitoring your investments and their performance and for determining whether your investments should be rebalanced.

There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives, provide you with a given level of income or protect against a loss in a declining market.

Investment return and principal value of an investment will fluctuate. An investor’s shares, when redeemed, may be worth more or less than their original cost. Investing in mutual funds involves risk, including the possible loss of principal. Past performance does not guarantee future results.

Investors should carefully consider fund objectives risks, charges and expenses before investing. The prospectus contains this and other information about the funds and should be read carefully before investing. To obtain a prospectus, call 1-800-258-3030 or download a PDF of it now.

Moderate 2
Moderate 2

Asset Class Allocation

  • Cash
  • 5%
  • Short-Term Bonds
  • 25%
  • Intermediate-Term Bonds
  • 20%
  • Large-Cap Value Stocks
  • 15%
  • Large-Cap Growth Stocks
  • 15%
  • International Stocks
  • 10%
  • Small-Cap Stocks
  • 10%

Portfolio Characteristics

  • Medium time horizon: 4 — 7 years
  • Moderate portfolio
  • Higher risk compared to the conservative portfolios
  • More potential for return
Read More

You understand that this prebuilt or model mutual fund portfolio is a self-directed educational program designed to assist you in identifying investment strategies and allocations based solely on criteria that you define. This program is not designed to yield results specific to your specific goals, financial situation, risk tolerance, or liquidity needs and should not be relied upon, in any way, to determine the suitability of an investment for you. Before buying or selling any investment, you should consult a financial advisor and carefully consider your specific goals, financial situation, risk tolerance, and liquidity needs, and determine on your own whether the investment strategy, including the particular mutual funds and allocations, is suitable for you.

Prebuilt and model mutual fund portfolios do not utilize any rebalancing methodologies and also will not be rebalanced when deposits or withdrawals are made. A rebalancing strategy seeks to minimize relative risk by aligning the portfolio to a target asset allocation as the portfolio’s asset allocation changes. Not rebalancing a portfolio may over time change its risk and return characteristics. Furthermore, strategies that do not rebalance may not address prolonged changes in market conditions. You are responsible for monitoring your investments and their performance and for determining whether your investments should be rebalanced.

There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives, provide you with a given level of income or protect against a loss in a declining market.

Investment return and principal value of an investment will fluctuate. An investor’s shares, when redeemed, may be worth more or less than their original cost. Investing in mutual funds involves risk, including the possible loss of principal. Past performance does not guarantee future results.

Investors should carefully consider fund objectives risks, charges and expenses before investing. The prospectus contains this and other information about the funds and should be read carefully before investing. To obtain a prospectus, call 1-800-258-3030 or download a PDF of it now.

Moderate 3
Moderate 3

Asset Class Allocation

  • Cash
  • 5%
  • Short-Term Bonds
  • 20%
  • Intermediate-Term Bonds
  • 20%
  • Large-Cap Value Stocks
  • 20%
  • Large-Cap Growth Stocks
  • 15%
  • International Stocks
  • 10%
  • Small-Cap Stocks
  • 10%

Portfolio Characteristics

  • Medium time horizon: 4 — 7 years
  • Moderate portfolio
  • Higher risk compared to the conservative portfolios
  • More potential for return
Read More

You understand that this prebuilt or model mutual fund portfolio is a self-directed educational program designed to assist you in identifying investment strategies and allocations based solely on criteria that you define. This program is not designed to yield results specific to your specific goals, financial situation, risk tolerance, or liquidity needs and should not be relied upon, in any way, to determine the suitability of an investment for you. Before buying or selling any investment, you should consult a financial advisor and carefully consider your specific goals, financial situation, risk tolerance, and liquidity needs, and determine on your own whether the investment strategy, including the particular mutual funds and allocations, is suitable for you.

Prebuilt and model mutual fund portfolios do not utilize any rebalancing methodologies and also will not be rebalanced when deposits or withdrawals are made. A rebalancing strategy seeks to minimize relative risk by aligning the portfolio to a target asset allocation as the portfolio’s asset allocation changes. Not rebalancing a portfolio may over time change its risk and return characteristics. Furthermore, strategies that do not rebalance may not address prolonged changes in market conditions. You are responsible for monitoring your investments and their performance and for determining whether your investments should be rebalanced.

There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives, provide you with a given level of income or protect against a loss in a declining market.

Investment return and principal value of an investment will fluctuate. An investor’s shares, when redeemed, may be worth more or less than their original cost. Investing in mutual funds involves risk, including the possible loss of principal. Past performance does not guarantee future results.

Investors should carefully consider fund objectives risks, charges and expenses before investing. The prospectus contains this and other information about the funds and should be read carefully before investing. To obtain a prospectus, call 1-800-258-3030 or download a PDF of it now.

Moderate 4
Moderate 4

Asset Class Allocation

  • Cash
  • 5%
  • Short-Term Bonds
  • 15%
  • Intermediate-Term Bonds
  • 20%
  • Large-Cap Value Stocks
  • 20%
  • Large-Cap Growth Stocks
  • 20%
  • International Stocks
  • 10%
  • Small-Cap Stocks
  • 10%

Portfolio Characteristics

  • Medium time horizon: 4 — 7 years
  • Moderate portfolio
  • Higher risk compared to the conservative portfolios
  • More potential for return
Read More

You understand that this prebuilt or model mutual fund portfolio is a self-directed educational program designed to assist you in identifying investment strategies and allocations based solely on criteria that you define. This program is not designed to yield results specific to your specific goals, financial situation, risk tolerance, or liquidity needs and should not be relied upon, in any way, to determine the suitability of an investment for you. Before buying or selling any investment, you should consult a financial advisor and carefully consider your specific goals, financial situation, risk tolerance, and liquidity needs, and determine on your own whether the investment strategy, including the particular mutual funds and allocations, is suitable for you.

Prebuilt and model mutual fund portfolios do not utilize any rebalancing methodologies and also will not be rebalanced when deposits or withdrawals are made. A rebalancing strategy seeks to minimize relative risk by aligning the portfolio to a target asset allocation as the portfolio’s asset allocation changes. Not rebalancing a portfolio may over time change its risk and return characteristics. Furthermore, strategies that do not rebalance may not address prolonged changes in market conditions. You are responsible for monitoring your investments and their performance and for determining whether your investments should be rebalanced.

There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives, provide you with a given level of income or protect against a loss in a declining market.

Investment return and principal value of an investment will fluctuate. An investor’s shares, when redeemed, may be worth more or less than their original cost. Investing in mutual funds involves risk, including the possible loss of principal. Past performance does not guarantee future results.

Investors should carefully consider fund objectives risks, charges and expenses before investing. The prospectus contains this and other information about the funds and should be read carefully before investing. To obtain a prospectus, call 1-800-258-3030 or download a PDF of it now.

Aggressive Portfolios

These portfolios are for the longest-term, highest aspiration goals, such as retirement, college funds or other goals with eight years or more to grow.  They are higher risk with the potential for higher returns.

Aggressive 1
Aggressive 1

Asset Class Allocation

  • Cash
  • 0%
  • Short-Term Bonds
  • 15%
  • Intermediate-Term Bonds
  • 20%
  • Large-Cap Value Stocks
  • 20%
  • Large-Cap Growth Stocks
  • 20%
  • International Stocks
  • 15%
  • Small-Cap Stocks
  • 10%

Portfolio Characteristics

  • Longer time horizon: 8 — 12 years
  • Aggressive portfolio
  • Higher risk compared to the conservative and moderate portfolios
  • Higher potential for return
Read More

You understand that this prebuilt or model mutual fund portfolio is a self-directed educational program designed to assist you in identifying investment strategies and allocations based solely on criteria that you define. This program is not designed to yield results specific to your specific goals, financial situation, risk tolerance, or liquidity needs and should not be relied upon, in any way, to determine the suitability of an investment for you. Before buying or selling any investment, you should consult a financial advisor and carefully consider your specific goals, financial situation, risk tolerance, and liquidity needs, and determine on your own whether the investment strategy, including the particular mutual funds and allocations, is suitable for you.

Prebuilt and model mutual fund portfolios do not utilize any rebalancing methodologies and also will not be rebalanced when deposits or withdrawals are made. A rebalancing strategy seeks to minimize relative risk by aligning the portfolio to a target asset allocation as the portfolio’s asset allocation changes. Not rebalancing a portfolio may over time change its risk and return characteristics. Furthermore, strategies that do not rebalance may not address prolonged changes in market conditions. You are responsible for monitoring your investments and their performance and for determining whether your investments should be rebalanced.

There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives, provide you with a given level of income or protect against a loss in a declining market.

Investment return and principal value of an investment will fluctuate. An investor’s shares, when redeemed, may be worth more or less than their original cost. Investing in mutual funds involves risk, including the possible loss of principal. Past performance does not guarantee future results.

Investors should carefully consider fund objectives risks, charges and expenses before investing. The prospectus contains this and other information about the funds and should be read carefully before investing. To obtain a prospectus, call 1-800-258-3030 or download a PDF of it now.

Aggressive 2
Aggressive 2

Asset Class Allocation

  • Cash
  • 0%
  • Short-Term Bonds
  • 10%
  • Intermediate-Term Bonds
  • 15%
  • Large-Cap Value Stocks
  • 25%
  • Large-Cap Growth Stocks
  • 25%
  • International Stocks
  • 15%
  • Small-Cap Stocks
  • 10%

Portfolio Characteristics

  • Longer time horizon: 8 — 12 years
  • Aggressive portfolio
  • Higher risk compared to the conservative and moderate portfolios
  • Higher potential for return
Read More

You understand that this prebuilt or model mutual fund portfolio is a self-directed educational program designed to assist you in identifying investment strategies and allocations based solely on criteria that you define. This program is not designed to yield results specific to your specific goals, financial situation, risk tolerance, or liquidity needs and should not be relied upon, in any way, to determine the suitability of an investment for you. Before buying or selling any investment, you should consult a financial advisor and carefully consider your specific goals, financial situation, risk tolerance, and liquidity needs, and determine on your own whether the investment strategy, including the particular mutual funds and allocations, is suitable for you.

Prebuilt and model mutual fund portfolios do not utilize any rebalancing methodologies and also will not be rebalanced when deposits or withdrawals are made. A rebalancing strategy seeks to minimize relative risk by aligning the portfolio to a target asset allocation as the portfolio’s asset allocation changes. Not rebalancing a portfolio may over time change its risk and return characteristics. Furthermore, strategies that do not rebalance may not address prolonged changes in market conditions. You are responsible for monitoring your investments and their performance and for determining whether your investments should be rebalanced.

There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives, provide you with a given level of income or protect against a loss in a declining market.

Investment return and principal value of an investment will fluctuate. An investor’s shares, when redeemed, may be worth more or less than their original cost. Investing in mutual funds involves risk, including the possible loss of principal. Past performance does not guarantee future results.

Investors should carefully consider fund objectives risks, charges and expenses before investing. The prospectus contains this and other information about the funds and should be read carefully before investing. To obtain a prospectus, call 1-800-258-3030 or download a PDF of it now.

Aggressive 3
Aggressive 3

Asset Class Allocation

  • Cash
  • 0%
  • Short-Term Bonds
  • 0%
  • Intermediate-Term Bonds
  • 15%
  • Large-Cap Value Stocks
  • 25%
  • Large-Cap Growth Stocks
  • 25%
  • International Stocks
  • 20%
  • Small-Cap Stocks
  • 15%

Portfolio Characteristics

  • Longer time horizon: 8 — 12 years
  • Aggressive portfolio
  • Higher risk compared to the conservative and moderate portfolios
  • Higher potential for return
Read More

You understand that this prebuilt or model mutual fund portfolio is a self-directed educational program designed to assist you in identifying investment strategies and allocations based solely on criteria that you define. This program is not designed to yield results specific to your specific goals, financial situation, risk tolerance, or liquidity needs and should not be relied upon, in any way, to determine the suitability of an investment for you. Before buying or selling any investment, you should consult a financial advisor and carefully consider your specific goals, financial situation, risk tolerance, and liquidity needs, and determine on your own whether the investment strategy, including the particular mutual funds and allocations, is suitable for you.

Prebuilt and model mutual fund portfolios do not utilize any rebalancing methodologies and also will not be rebalanced when deposits or withdrawals are made. A rebalancing strategy seeks to minimize relative risk by aligning the portfolio to a target asset allocation as the portfolio’s asset allocation changes. Not rebalancing a portfolio may over time change its risk and return characteristics. Furthermore, strategies that do not rebalance may not address prolonged changes in market conditions. You are responsible for monitoring your investments and their performance and for determining whether your investments should be rebalanced.

There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives, provide you with a given level of income or protect against a loss in a declining market.

Investment return and principal value of an investment will fluctuate. An investor’s shares, when redeemed, may be worth more or less than their original cost. Investing in mutual funds involves risk, including the possible loss of principal. Past performance does not guarantee future results.

Investors should carefully consider fund objectives risks, charges and expenses before investing. The prospectus contains this and other information about the funds and should be read carefully before investing. To obtain a prospectus, call 1-800-258-3030 or download a PDF of it now.

Aggressive 4
Aggressive 4

Asset Class Allocation

  • Cash
  • 0%
  • Short-Term Bonds
  • 0%
  • Intermediate-Term Bonds
  • 0%
  • Large-Cap Value Stocks
  • 30%
  • Large-Cap Growth Stocks
  • 30%
  • International Stocks
  • 20%
  • Small-Cap Stocks
  • 20%

Portfolio Characteristics

  • Very long time horizon: 12+ years
  • Very Aggressive portfolio
  • Higher risk compared to the conservative and moderate portfolios
  • Higher potential for return
Read More

You understand that this prebuilt or model mutual fund portfolio is a self-directed educational program designed to assist you in identifying investment strategies and allocations based solely on criteria that you define. This program is not designed to yield results specific to your specific goals, financial situation, risk tolerance, or liquidity needs and should not be relied upon, in any way, to determine the suitability of an investment for you. Before buying or selling any investment, you should consult a financial advisor and carefully consider your specific goals, financial situation, risk tolerance, and liquidity needs, and determine on your own whether the investment strategy, including the particular mutual funds and allocations, is suitable for you.

Prebuilt and model mutual fund portfolios do not utilize any rebalancing methodologies and also will not be rebalanced when deposits or withdrawals are made. A rebalancing strategy seeks to minimize relative risk by aligning the portfolio to a target asset allocation as the portfolio’s asset allocation changes. Not rebalancing a portfolio may over time change its risk and return characteristics. Furthermore, strategies that do not rebalance may not address prolonged changes in market conditions. You are responsible for monitoring your investments and their performance and for determining whether your investments should be rebalanced.

There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives, provide you with a given level of income or protect against a loss in a declining market.

Investment return and principal value of an investment will fluctuate. An investor’s shares, when redeemed, may be worth more or less than their original cost. Investing in mutual funds involves risk, including the possible loss of principal. Past performance does not guarantee future results.

Investors should carefully consider fund objectives risks, charges and expenses before investing. The prospectus contains this and other information about the funds and should be read carefully before investing. To obtain a prospectus, call 1-800-258-3030 or download a PDF of it now.

More about Managing Your Account

Once your portfolio is established, just log in to your account and choose a quarterly, semiannual or annual rebalance frequency, which will periodically reset your fund allocations back to the original targets. If you invest in the funds through a financial intermediary, you may be charged commissions or transaction fees for the purchase, sale or exchange of fund shares.

You can also contact us any time to create a personalized one-time asset allocation plan to meet your needs.

You’ll also want to monitor your time horizon. You should consult a financial advisor concerning your asset allocation over time and as the date when you expect to withdraw all or a portion of your account balance nears. Our client service associates can also help: Just contact us.

Read More

Model mutual fund portfolios are educational tools and should not be relied upon as the primary basis for investment, financial, tax-planning, or retirement decisions.  The tools provide a sample of possible mutual fund portfolios based on varying degrees of market risk.  These portfolios are not tailored to the investment objectives of any specific investor.  The model portfolios and asset allocations neither are, nor should be construed as, investment advice, financial guidance or an offer or solicitation or recommendation to buy, sell, or hold any security, or to engage in any specific investment strategy by RE Advisers Corporation or RE Investment Corporation. The asset allocations for one or more model portfolios may change at any time and neither RE Advisers Corporation nor RE Investment Corporation will notify you when such changes are made, nor will your mutual fund holdings be updated as a result of any such changes to the model portfolios.

This model portfolio can help you focus on a possible asset allocation strategy and create a plan of action.  RE Advisers Corporation, RE Investment Corporation and their affiliates do not provide tax advice, and you always should consult your own tax advisor regarding your personal circumstances before taking any action that might have tax consequences.  You may also wish to consult a financial advisor for advice that is tailored to your investment needs.  There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives, provide you with a given level of income or protect against a loss in a declining market. The model portfolios are methods used to help manage investment risk.

You understand and acknowledge that in using model mutual fund portfolios, you are choosing to enter a series of mutual fund orders allocated across a group of mutual funds that you have selected.

Investment return and principal value of an investment will fluctuate. An investor’s shares, when redeemed, may be worth more or less than their original cost.  Investing in mutual funds involves risk, including the possible loss of principal. Past performance does not guarantee future results.

Investors should carefully consider fund objectives risks, charges and expenses before investing. The prospectus contains this and other information about the funds and should be read carefully before investing. To obtain a prospectus, call 1-800-258-3030 or download a PDF of it now.