Understanding our Risk-Based & Risk-Based Plus Investment Models

Risk-Based Models

Risk-based investment models are a very popular choice by Participants. The risk-based models include Conservative, Moderate Conservative, Moderate, Moderate Aggressive and Aggressive. These models use actively managed portfolios by some of the best-known providers such as J.P. Morgan, Schwab, and TIAA. Because of an open architecture capability, these choices are regularly evaluated and replaced if not performing according to the Investment Policy Statement criteria.

Introducing Risk-Based Plus Models

The risk-based investment models only address the one element of investment decision making, risk. However, the Risk-Based Plus Models expand the number of elements taken into consideration. Adding these elements results in a more comprehensive and comfortable investment selection. This investment approach starts with the individual’s risk level and adds their age, time to retirement, and their 2 Money Personalities™. The initial risk assessment is then modified by these additional elements. These models use actively managed portfolios by some of the best-known providers such as Fidelity, Vanguard, and TIAA.

Since the Risk-Based and the Risk-Based Plus models are the same price, you can make the choice that will best fit their unique needs without price constraints.