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Invest Your Assets

Learn About Investing
•	Stocks
•	Bonds
•	Short Term
•	Investment Fee Disclosure
•	Investment Glossary
•	Investment Articles
Review Choices
•	Selection Process
•	Monitoring Process
•	Fund Offerings
•
•	Prospectuses
•	Diversify Your Mix

Why Diversify Your Investment Mix

Each type of investment reacts differently to the same market conditions. For instance, when stock prices are up, bond prices are usually down—and vice versa. So by spreading your money across the basic investment types, or diversifying, you reduce the risk that a big drop in any one area could negatively impact your entire retirement portfolio.

Source: "Determinants of Portfolio Performance," Brinson, Hood and Beebower, Financial Analysts Journal, July/August, 1986.

For a suggestion on how to diversify your assets, select the number of years you have to invest below

Note: The suggested allocations are presented as examples only and are not intended as investment advice.

Short

Short/Intermediate

Intermediate

Intermediate/Long

Long

Short-Term Mix (2–7 Years)

			Money Market (MM)
			Conservative Bonds (CB)
			Aggressive Bonds (AB)
			Conservative Stocks (CS)
			Aggressive Stocks (AS)