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About the plan
We want to help you build a solid financial future.
Your plan is available exclusively to this organization. Once you’ve joined, you can easily and conveniently access your account information at any time. Sign up today by registering your account and you’re on your way.
Want to learn more about your plan? The plan highlights provide information about contributions, vesting, distribution options and more.View the plan highlights page
Plan features: Ways to help you save
Asset allocationGoalMaker—Strategies to support your unique investing style
You can help take the guesswork out of choosing an investment mix. Just answer three questions to find a model portfolio that may work for you.
Keep in mind that application of asset allocation and diversification concepts do not ensure a profit or protect against loss in a declining market. You can lose money by investing in securities.
Targeted investingTarget-date funds—Investments that change as you do
A convenient way to diversify your investments, then automatically reallocate as you get closer to your estimated retirement date.
Remember, the target date is the date you expect to start withdrawing your funds. Target-date funds become more conservative over time by lessening equity exposure and increasing exposure to fixed income-type investments. The principal value of a target-date fund is not guaranteed at any time, including the target date.
Another Way to SaveRoth Contributions—Save after-tax dollars today for tomorrow
Your plan allows you to make Roth contributions, which combine the savings and investment features of a traditional, pretax retirement program with the federal tax-free distribution features of the Roth IRA.
GoalMaker’s model allocations are based on generally accepted financial theories that take into account the historic returns of different asset classes. But of course, past performance of any investment does not guarantee future results. Participants should consider their other assets, income and investments (e.g. equity in a home, Social Security benefits, individual retirement plan investments, etc.), in addition to their interest in the plan, to the extent those items are not taken into account in the model. Participants should also periodically reassess their GoalMaker investments to make sure their model portfolio continues to correspond to their changing attitudes and retirement time horizon.
The target-date is the approximate date when investors plan to retire and may begin withdrawing their money. The asset allocation of the target-date funds will become more conservative as the target-date approaches by lessening your equity exposure and increasing your exposure in fixed income investments. The principal value of an investment in a target-date fund is not guaranteed at any time, including the target-date. There is no guarantee that the fund will provide adequate retirement income.
A target-date fund should not be selected solely based on age or retirement date. Before investing, participants should carefully consider the fund's investment objectives, risks, charges and expenses, as well as their age, anticipated retirement date, risk tolerance, other investments owned, and planned withdrawals. The stated asset allocation may be subject to change. It is possible to lose money in a target-date fund, including losses near and following retirement. Investments in the funds are not deposits or obligations of any bank and are not insured or guaranteed by any governmental agency or instrumentality.
Morningstar® Retirement ManagerSM is offered by Morningstar Investment Management LLC and is intended for citizens or legal residents of the United States or its territories. The investment advice delivered through Morningstar Retirement Manager is provided by Morningstar Investment Management LLC, a registered investment adviser and subsidiary of Morningstar, Inc. The Morningstar name and logo are registered marks of Morningstar, Inc. Investment advice generated by Morningstar Retirement Manager is based on information provided and limited to the investment options available in the defined contribution plan.
Projections and other information regarding the likelihood of various retirement income and/or investment outcomes are hypothetical in nature, do not reflect actual results, and are not guarantees of future results. Results may vary with each use and over time. Morningstar Investment Management, LLC is not affiliated with Prudential Financial or any of its affiliates.
The Morningstar Investment Management division is a division of Morningstar and includes Morningstar Associates, Ibbotson Associates, and Morningstar Investment Services, which are registered investment advisors and wholly owned subsidiaries of Morningstar, Inc. All investment advisory services described herein are provided by one or more of the U.S. registered investment advisor subsidiaries. The Morningstar name and logo are registered marks of Morningstar.
© 2018 Morningstar Investment Management, LLC. All rights reserved. Morningstar® Retirement ManagerSM is offered by and the property of Morningstar Investment Management, LLC, a registered investment advisor and wholly owned subsidiary of Morningstar, Inc., and is intended for use by citizens and legal residents of the United States and its territories. Investment advice generated by Morningstar Retirement Manager is based on information provided and limited to the investment options available in the Plan. Projections and other information regarding the likelihood of various retirement income and/or investment outcomes are hypothetical in nature, do not reflect actual results, are not guarantees of future results and may vary with each use and over time.
Morningstar Investment Management, LLC is not affiliated with Prudential Financial or any of its affiliates.
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