Asset Allocation Strategies

You have certain long-term financial goals in mind and you also have a certain tolerance for risk when it comes to investing your money. Consider using the following investment strategies and products along with the guidance of your investment professional to help you find your balancing points.

• Allocate your assets across the major asset classes – stocks, bonds, and cash – to help pursue the optimal returns for the risk level you're willing to undertake.
• Diversify within each asset class to take advantage of different investment styles – such as growth and value stocks – and market sectors – such as both government and corporate bonds.
• Rebalance regularly. Market activity can shift your portfolio allocations. Rebalancing helps you maintain your desired allocation.

Target Risk or Target Date - based on your financial goals, needs and risk tolerance

Target risk strategies
Consider Asset Allocation Funds to target risk and maintain your asset allocation mix as selected by you and your investment professional according to your risk profile. These four built-in allocation strategies automatically allocate, diversify, and rebalance so you can follow a disciplined diversification investment approach.

No investment strategy, including asset allocation, diversification or rebalancing, can guarantee a profit or protect against a loss.