It’s never too early or too late to invest for retirement.

The more years you have before retirement, the greater potential benefit you’ll have by saving now. And even if retirement isn’t too far off, you can still potentially get closer to your retirement goals by starting to save now and thinking about important questions like:

  • How much do I need to save to reach my financial goals?
  • What asset allocation mix makes sense for me?
  • What investment strategy should I consider?
  • If you want to create your own investment mix, you'll need to know your investment style:

    • Conservative?
    • Aggressive?
    • Somewhere in-between?

Knowing your style will help you as you consider the different asset classes and how they’ll make up your overall investment holdings.

At that point, you'll have the information you need to pick your investment mix. In addition to risk tolerance (or "investment style"), time horizon, savings goals, and other investments are usually considered in choosing an asset allocation.

Once you complete your enrollment, you can still change your investment selections whenever you want by accessing your secure account online.

For help and advice, you can call us at 800 897-1026, Monday through Friday from 8 a.m. to 10 p.m. and Saturday from 9 a.m. to 6 p.m. (ET).