Choosing a Retirement Fund is easy. Simply pick the fund with the target date that most closely matches the year in which you will turn 65. Or, use the chart below to select a fund based on the year you were born.
Click on the fund name below for more detailed information.
|IF YOU WERE BORN...||THIS FUND MAY BE RIGHT FOR YOU...|
|In 1988 or after||Retirement 2055|
|1983 — 1987||Retirement 2050|
|1978 — 1982||Retirement 2045|
|1973 — 1977||Retirement 2040|
|1968 — 1972||Retirement 2035|
|1963 — 1967||Retirement 2030|
|1958 — 1962||Retirement 2025|
|1953 — 1957||Retirement 2020|
|1948 — 1952||Retirement 2015|
|1943 — 1947||Retirement 2010|
|1938 — 1942||Retirement 2005|
|In 1937 or before||Retirement Income|
The principal value of the Retirement Funds is not guaranteed at any time, including at or after the target date, which is the approximate date when investors turn age 65. The funds invest in a broad range of underlying mutual funds that include stocks, bonds, and short-term investments and are subject to the risks of different areas of the market. The funds emphasize potential capital appreciation during the early phases of retirement asset accumulation, balance the need for appreciation with the need for income as retirement approaches, and focus more on income and principal stability during retirement. The funds maintain a substantial allocation to equities both prior to and after the target date, which can result in greater volatility.
All funds may not be available in your plan. Check a recent copy of your plan information to confirm your fund choices.