The profiles shown may not represent exactly the right choices for you. They represent possible combinations and are not meant to be specific suggestions. They should not be your only consideration in designing your own investment portfolio, and are not intended to be a primary basis for any investment decisions you may make. Remember to consider your other assets, income, and investments in addition to your interest in your retirement plan. The model asset allocation portfolios are illustrative examples that are based on generally accepted investment theories that take into account the historic returns of different asset classes over defined periods of time.
Past performance is no guarantee of future returns.
The model portfolios are hypothetical allocations among up to six different asset classes that take into consideration the risk profile and expected time horizon of an investor. The portfolios are based on an expected investment time horizon of seven to ten years and on the standard deviation and performance returns for the past 25 years, if available, of generally accepted market indices representing each asset class. The market indices are unmanaged and returns reflect reinvestment of dividends or other distributions. Employer-Sponsored Plans Model Portfolios Financial terminology can often be confusing. To learn more about what makes up a portfolio, click here .