Retirement Planning Calculator
Will I have enough for a comfortable retirement? How much can I expect to be able to withdraw each year? How can a simple change today impact my future retirement income? The Retirement Planning Calculator can help.
Built-In Diversification
You've heard about the importance of diversification...that you should avoid "putting all of your eggs into one basket."
That's why each Retirement Strategy fund includes a diversified blend of investments, combining many separate equity and bond funds. By spreading your money across these different investment types, Retirement Strategies gives you access to a broad range of opportunities and helps manage the portfolio's overall risk. However, diversification doesn't ensure that your investments will grow or protect against a market downturn.
Over time, professional fund managers gradually adjust your investments for you, so your investment mix makes sense for your age. All of this happens automatically—you don't have to do a thing.
Investments in Retirement Strategies are not guaranteed against loss of principal: at any time, your account value can be more or less than the original amount you contributed—including at the time of the fund's target date. Also, investing in Retirement Strategies does not guarantee sufficient income in retirement.
Multiple Investments in a Single Strategy
Diversification does not eliminate against the risk of loss.
*Allocation as of April, 2010
**Equities include stocks, global REITs and, effective April 2010, volatility management. The volatility management component may include up to 100% equities, 100% bonds or a combination of the two asset classes to help reduce volatility depending on market conditions at any particular time. The volatility management component does not apply to the 2050 and 2055 Retirement Strategies.
†Before April 2010, known as Inflation Protected Securities.