Individual

Individual 2016-11-08T10:44:08+00:00
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26 Individual fund portfolios

The major asset classes are represented in the plan, including money market, fixed income, balanced, real estate, domestic equity, and international equity. Select the individual fund portfolio(s) you want and choose the percentages of each (must add up to 100%) to design your own investment strategy. Additional information—including a fact sheet, prospectus, and annual report—is available to help you make your selections.

Money Market

Fixed Income

Balanced

Real Estate

Domestic (U.S.) Equity

Large-Cap

Mid-Cap

Small-Cap

International Equity

Risk Considerations
You can lose money by investing in a portfolio. Each of the age-based, target, and individual fund portfolios involves investment risks, which are described in the Program Disclosure Statement and which should be considered before investing. For example, international investing, especially in emerging markets, has additional risks such as currency fluctuation, economic and political risks, and market volatility. Investing in small, medium, and international companies may increase the risk of fluctuations in the value of your investment and involves greater risks than investing in more established companies. The portfolios that invest in specific industries or sectors, such as real estate, have industry concentration risk. As an example, the portfolios that invest in real estate may perform poorly during a downturn in the real estate industry.

Portfolios that invest in bonds are subject to risks such as interest rate risk, credit risk, and inflation risk. In particular, as interest rates rise, the prices of bonds will generally fall, which can impact performance. It is important to note that the value of your account will fluctuate with market conditions. When you withdraw funds, you may have more or less than your actual investment. For more information on the portfolios and the underlying funds in which they invest, see the Program Disclosure Statement and each underlying fund’s prospectus.

*An investment in the security is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the security seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the security.