TIER I – Target Risk Funds
Investment Overview
There are four Target Risk Funds – Income, Conservative, Moderate and Aggressive Target Risk Funds offer the simplicity of a diversified portfolio in a single investment fund. You have the option to select a fund based on your investment risk tolerance. Through this approach, a single target risk fund is designed to provide an efficient, balanced portfolio based on risk tolerances. The Target Risk Fund portfolios are primarily composed of the underlying Tier III – Actively Managed Funds with the target allocations indicated below.
Get a complete portfolio in a single fund
Less risk through broader diversification
A professionally managed asset mix
Automatic rebalancing
| INCOME FUND |
Target Allocations
|
65% Stable Value Fund
|
15% Vanguard Short TIPS Fund (VTAPX)
|
| 10% International Stock Fund |
| 10% Large Cap Core Stock Fund |
| Gross/Net Investment Expense – 0.34%/0.34% ($3.40 per $1,000 Gross) |
| Target Risk – Risk Profile |
| R |
| CONSERVATIVE FUND |
| Target Allocations |
| 40% Stable Value Fund |
| 20% Fixed Income Fund |
| 5% Diversified Inflation Real Return Fund |
| 15% Large Cap Core Stock Fund |
| 5% Small/Mid Cap Core Stock Fund |
| 15% International Stock Fund |
| Gross/Net Investment Expense – 0.39%/0.39% ($3.90 per $1,000 Gross) |
| Target Risk – Risk Profile |
| |
| MODERATE FUND |
| Target Allocations |
| 8% Stable Value Fund |
| 24% Fixed Income Fund |
| 10% Diversified Inflation Real Return Fund |
| 25% Large Cap Core Stock Fund |
| 5% Small/Mid Cap Core Stock Fund |
| 28% International Stock Fund |
Gross/Net Investment Expense – 0.45%/0.45% ($4.50 per $1,000 Gross)
|
Target Risk – Risk Profile
|
| |
| AGGRESIVE FUND |
| Target Allocations |
| 15% Fixed Income Fund |
| 13% Diversified Inflation Real Return Fund |
| 32% Large Cap Core Stock Fund |
| 5% Small/Mid Cap Core Stock Fund |
| 35% International Stock Fund |
| Gross/Net Investment Expense – 0.50%/0.50% ($5.00 per $1,000 Gross) |
| Target Risk – Risk Profile |