Use your asset allocation strategy as a starting point for building your own investment portfolio. To review or change your investment choices, sign on to your account. From the top navigation, select the Actions & Investments tab and choose Manage My Investments.
*Investment Time Horizon: Accounts will have different time horizons based investment goals/objectives. A long-term time horizon would be considered ten years or more. An intermediate time horizon would be five to ten years. A relatively short time horizon would be three to five years. A very short time horizon would be one to three years. An immediate time horizon would be less than one year.
**Risk tolerance is the amount of risk or loss an investor is willing and able to accept in order to achieve his/her financial goals and is measured on a continuum that increases from "Conservative" to "Moderate" to "Aggressive." In determining an investment objective, it is important for you to assess your risk tolerance and your need for income and growth.
***Conservative investors maintain a fairly stable account balance. Having a clear idea of what their investments are likely to earn is more important to them than pursuing higher return potential.
Moderate investors are willing to accept some fluctuation in the value of their investments to pursue higher return potential.
Aggressive investors have the ability to weather short-term volatility in their investments. They are willing to assume a higher degree of fluctuation in the value of their investments to pursue growth opportunities.
Stable investments include liquid, short term and interest bearing investments. Examples are Treasury bills and commercial paper. It is possible to lose money by investing in stable investments.
Investments in fixed-income securities are subject to market, interest rate, credit and other risks. Bond prices fluctuate inversely to changes in interest rates. Therefore, a general rise in interest rates can result in the decline in the bond’s price. Credit risk is the risk that an issuer will default on payments of interest and/or principal. This risk is heightened in lower rated bonds. If sold prior to maturity, fixed-income securities are subject to market risk. All fixed-income investments may be worth less than their original cost upon redemption or maturity.
Stocks offer long-term growth potential, but may fluctuate more and provide less current income than other investments. An investment in the stock market should be made with an understanding of the risks associated with common stocks, including market fluctuations.
Recordkeeping, trustee, and/or custody services are provided by Wells Fargo Institutional Retirement & Trust, a business unit of Wells Fargo Bank, N.A., a bank affiliate of Wells Fargo & Company.
This information and any information provided by employees and representatives of Wells Fargo Bank, N.A. and its affiliates is intended to constitute investment education under U.S. Department of Labor guidance and does not constitute "investment advice" under the Employee Retirement Income Security Act of 1974. Neither Wells Fargo nor any of its affiliates, including employees, and representatives, may provide "investment advice" to any participant or beneficiary regarding the investment of assets in your employer-sponsored retirement plan. Please contact an investment, financial, tax, or legal advisor regarding your specific situation. The information shown is not intended to provide any suggestion that you engage in or refrain from taking a particular course of action.
Diversification and asset allocation do not assure or guarantee better performance and cannot eliminate the risk of investment losses.
The Risk Tolerance Quiz is intended to provide you with a general indication of your current investment personality and does not constitute investment advice. There may be other factors specific to your situation that are not considered. Your investment risk tolerance may change over time, and you should revisit your situation from time to time to determine if a selected portfolio is still appropriate for your situation.
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- Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested