Investment Options .wi.us

[Pages:2]Investment Options

Helping You Turn Over a New Retirement Leaf

The Wisconsin Deferred Compensation Program (WDC) provides a wide range of investment options intended to help you meet your retirement goals. The options are divided into three paths with an additional self-directed brokerage account offering.

Three paths of investing

Path 1: WDC core funds ? Create your own portfolio ? Range of investment options including:

-- Passively managed index funds, -- actively managed mutual funds and CITs, -- global or domestic funds, and -- fixed-income or equity options.

For a full list of the WDC core funds, please see the reverse side of this flier.

Path 2: Pre-mixed target date funds ? A straightforward approach to investing ? Funds that are:

-- Diversified across asset classes and investment styles,

-- automatically rebalanced each month, and -- adjusted to a more conservative risk level as the

fund nears the target retirement date.

Use the table below to select one of the pre-mixed target date funds based on your target retirement date (the date you will turn 65). You should also consider your risk tolerance when selecting an investment.

Pre-mixed Target Date Funds Vanguard Target Retirement Income Trust I

Vanguard Target Retirement 2015 Trust I Vanguard Target Retirement 2025 Trust I Vanguard Target Retirement 2035 Trust I Vanguard Target Retirement 2045 Trust I Vanguard Target Retirement 2055 Trust I

FOR ILLUSTRATIVE PURPOSES ONLY. The chart shown is only intended as a guide based on the overall design of the funds. It is not intended as financial planning or investment advice. Please consult with your financial planner or investment advisor as needed.

The date in a target date fund's name is the approximate date when investors are expected to start withdrawing their money (generally assumed to be at age 65). Please keep in mind that the principal value of the fund(s) is not guaranteed at any time, including at the target date.

Path 3: Empower Retirement Advisory Services

(provided by Advised Assets Group, LLC, a registered investment adviser)

This optional path includes Online Advice and My Total RetirementTM. Supply information about your goals and finances and AAG will make recommendations, select your investments or manage your WDC account on your behalf, depending upon the service you choose.

Online Advice is available at no additional cost to you. There is a fee to participate in My Total Retirement, which is based on a percentage of your account balance as follows.

Account Balance Up to $100,000 Next $150,000 Next $150,000 Greater than $400,000

My Total Retirement Annual Fee 0.45%

0.35%

0.25%

0.15%

There is no guarantee provided by any party that participation in any of the advisory services will result in a profit.

Self-Directed Brokerage Account (SDBA)

(Schwab Personal Choice Retirement Account? provided by Charles Schwab & Co. Inc., member SIPC). More information - (888) 393-7272.

If you are not interested in the three paths outlined above, the SDBA provides access to more than 3,000 additional mutual funds and is intended for knowledgeable investors who acknowledge and understand the risks associated with the investments contained within the SDBA. There are no fees for participating in the WDC SDBA; however, transaction fees may apply depending on the mutual funds you select from the SDBA menu.

WDC core funds

Asset Class

Fund Name

Risk

Benchmark Index

International Stocks Small-Cap Stocks Mid-Cap Stocks

Large-Cap Stocks Balanced Bonds

Fixed Income/Cash

American Funds Europacific Growth R6 BlackRock EAFE Equity Index Coll F BlackRock Russell 2000 Index Coll M DFA US Micro Cap I

BlackRock Mid Cap Equity Index - Coll F T. Rowe Price Instl Mid-Cap Equity Gr American Beacon Bridgwy Lg Cp Val I CIT Calvert US Large Cap Core Resp Index R6 Fidelity Contrafund Commingled Pool Cl 2 Vanguard Institutional 500 Index Trust

Vanguard Wellington Adm BlackRock US Debt Index Fund Coll M

Dodge & Cox Income Fund Vanguard Long-Term Investment Grade Adm

Stable Value Fund Vanguard Treasury Money Market Inv

FDIC Bank Option

Aggressive Aggressive Aggressive Aggressive Aggressive Aggressive Moderate Moderate Moderate Moderate Moderate Moderate Moderate Moderate Conservative Conservative Conservative

MSCI EAFE Index Russell 2000 Index S&P MidCap 400? Index

S&P 500? Index N/A

BarCap U.S. Aggregate Bond Index

N/A

You could lose money by investing in a money market fund. Although the fund seeks to preserve the value of your investment at $1 per share, it cannot guarantee it will do so. An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The fund's sponsor has no legal obligation to provide financial support to the fund, and you should not expect that the sponsor will provide financial support to the fund at any time.

Carefully consider the investment option's objectives, risks, fees and expenses. Contact us for a prospectus, summary prospectus or disclosure document containing this information. Read each carefully before investing.

How to Enroll and/or Make Changes Visit or call (877) 457-WDCP (9327).

A benchmark index is not actively managed, does not have a defined investment objective, and does not incur fees or expenses. Therefore, performance of a fund will generally be less than its benchmark index. You cannot invest directly in a benchmark index.

Foreign investments involve special risks, including currency fluctuations, taxation differences and political developments.

A collective trust fund is not a mutual fund and is exempt from SEC registration. Designed for and exclusively sold to qualified retirement plans and their participants, collective trust funds are not available to individual retail investors.

Equity securities of small and mid-sized companies may be more volatile than securities of larger, more established companies.

S&P 500 Index and S&P MidCap 400 Index are registered trademarks of Standard & Poor's Financial Services LLC and are unmanaged indexes considered indicative of the domestic Large-Cap equity market and the domestic Mid-Cap equity market respectively.

A bond fund's yield, share price and total return change daily and are based on changes in interest rates, market conditions, economic and political news, and the quality and maturity of its investments. In general, bond prices fall when interest rates rise and vice versa.

A stable value fund is not federally guaranteed and may lose value. It has interest rate, inflation and credit risks associated with the underlying assets owned by the fund. A guaranteed separate account stable value fund is offered through an insurance company group annuity contract or funding agreement. The strength of the guarantee is dependent on the financial strength of the insurance company issuing the contracts. Transfers from the Stable Value Fund to the FDIC Bank Option, the money market fund, or Federated U.S. Government Securities Fund require a 90-day equity wash. An equity wash means that assets must first be transferred to a noncompeting option (any other option in the WDC lineup besides the three listed previously) for 90 days before transferring the money to the competing fund. The stable value option invests in a diversified portfolio of fixed income securities managed by Galliard. GWFS Equities, Inc. is not affiliated with Galliard.

Plan funds invested in the FDIC Bank Option are insured by the Federal Deposit Insurance Corporation, up to $250,000 per participant. Certificates of deposit offer a fixed rate of return, whereas both the principal and yield of bonds and stocks will fluctuate with market conditions. Transfer requests received on business days prior to close of the New York Stock Exchange (4:00 p.m. Eastern time or earlier on some holidays or other special circumstances) will be initiated at the close of business the same day the request was received. The actual effective date of your transaction may vary depending on the investment option selected.

Securities offered by GWFS Equities, Inc., Member FINRA/SIPC, marketed under the Empower brand. GWFS is affiliated with Great-West Funds, Inc.; Great-West Trust Company, LLC; and registered investment advisers Advised Assets Group, LLC and Great-West Capital Management, LLC, marketed under the Great-West InvestmentsTM brand. This material has been prepared for informational and educational purposes only and is not intended to provide investment, legal or tax advice. Asset allocation and balanced investment options and models are subject to the risks of the underlying investments, which can be a mix of stocks/stock funds and bonds/bond funds. Securities available through Schwab Personal Choice Retirement Account? (PCRA) are offered through Charles Schwab & Co., Inc. (Member SIPC), a registered broker-dealer. Additional information can be obtained by calling (888) 393-7272. Charles Schwab & Co., Inc. and GWFS Equities, Inc. are separate and unaffiliated. 98971-01-WDVH-WF-207410-1019 RO988817-1019

 ................
................

In order to avoid copyright disputes, this page is only a partial summary.

Google Online Preview   Download