Implementing a plan for investing, with an eye to balancing opportunity with risk.
Create a strategy that will serve as a guide in making decisions about investments.
Time and risk go hand in hand – the longer you have until retirement, the more risk
you can afford to take. As you near retirement, you will want to be more conservative
in your investment strategy.
A mix of stocks and bonds that represent different economic sectors, approaches
to fund management, and global economies shelters your portfolio from volatility
in one industry or market. This diversification strategy or “asset allocation” will
change over time.
In selecting the funds for your investments, our investment advisory committee considers
the investment’s historical performance, expenses and tax efficiency. We also investigate
how the fund is managed. We communicate regularly with fund managers.