TARGET-RISK OPTIONS

The Aggresive Option, Growth Option, Moderate Option and Conservative Option can be used for expenses that you might need in the future – greater than 5 years from now.

For each Option, our professional investment team selected low-cost Vanguard index funds (each an “underlying fund”) from different asset classes – equity, fixed income or cash equivalents. The investment team then determined the appropriate allocation into each underlying fund to provide a balance between investments that have the potential for higher return and higher risk with investments that might have the potential for lower return and less risk.

The allocations to the underlying funds are continually reviewed to ensure that each Option continues to meet its investment goals and balance between performance and risk.

View Performance Benchmarks

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Aggressive Option

Growth and some income

Pie chart visually showing percantages of the Growth option. 75% Domestic Equity Vanguard Total Stock Market Index (VSMPX), 24% Fixed Income Vanguard International Stock Index (VTIAX) and 20% International Equity Vanguard Total Bond Market Index (VBMPX)

You can tolerate some market fluctuation and risk, but seek less risk and market fluctuation than the Aggressive Investment Option.
For a complete description, view this fact sheet.

Time horizon: 15 years or more

Growth Option

Growth and some income

Pie chart visually showing percantages of the Growth option. 75% Domestic Equity Vanguard Total Stock Market Index (VSMPX), 24% Fixed Income Vanguard International Stock Index (VTIAX) and 20% International Equity Vanguard Total Bond Market Index (VBMPX)

You want the potential to grow your money and you can tolerate market fluctuations and risk.
For a complete description, view this fact sheet.

Time horizon: More than 10 years

 

Moderate Option

Balance of growth and income

Pie chart visually showing percantages of the Growth option. 75% Domestic Equity Vanguard Total Stock Market Index (VSMPX), 24% Fixed Income Vanguard International Stock Index (VTIAX) and 20% International Equity Vanguard Total Bond Market Index (VBMPX)

You want some growth but desire that growth with lower risk and fluctuation.
For a complete description, view this fact sheet.

Time horizon: 5 years or more

 

Conservative Option

Current income and some growth

Pie chart visually showing percantages of the Growth option. 75% Domestic Equity Vanguard Total Stock Market Index (VSMPX), 24% Fixed Income Vanguard International Stock Index (VTIAX) and 20% International Equity Vanguard Total Bond Market Index (VBMPX)

Your primary investment objective is low risk with a minimal potential risk for loss.
For a complete description, view this fact sheet.

Time horizon: Less than 5 years

 

TARGET-RISK OPTIONS – ASSET ALLOCATIONS TO UNDERLYING INVESTMENTS
Investment Option Vanguard Total Stock Market Index Fund iShares Core US REIT ETF Vanguard Total International Stock Index Fund Vanguard Total Bond Market Index Fund Vanguard Short-Term Bond Index Fund Vanguard Short-Term Inflation-Protected Securities Index Fund State Street SPDR Portfolio High Yield Bond ETF iShares Core International Aggregate Bond ETF Vanguard Treasury Money Market Fund
Aggressive 54.00% 4.50% 31.50% 5.50% 0.75% 0.75% 2.00% 1.00% 0.00%
Growth 45.00% 3.75% 26.25% 12.50% 2.00% 2.00% 2.63% 2.13% 3.75%
Moderate 36.00% 3.00% 21.00% 19.50% 3.25% 3.25% 3.25% 3.25% 7.50%
Conservative 18.00% 1.50% 10.50% 27.00% 6.75% 6.75% 0.00% 4.50% 25.00%


View Prices & Performance

 

Target-Risk Options – Asset Allocations to Underlying Investments

Investment Options and Allocations

Aggressive Portfolio:

  • Vanguard Total Stock Market Index Fund: 54.00%
  • iShares Core U.S. REIT ETF: 4.50%
  • Vanguard Total International Stock Index Fund: 31.50%
  • Vanguard Total Bond Market Index Fund: 5.50%
  • Vanguard Short-Term Bond Index Fund: 0.75%
  • Vanguard Short-Term Inflation-Protected Securities Index Fund: 0.75%
  • State Street SPDR Portfolio High Yield Bond ETF: 2.00%
  • iShares Core International Aggregate Bond ETF: 1.00%
  • Vanguard Treasury Money Market Fund: 0.00%

Growth Portfolio:

  • Vanguard Total Stock Market Index Fund: 45.00%
  • iShares Core U.S. REIT ETF: 3.75%
  • Vanguard Total International Stock Index Fund: 26.25%
  • Vanguard Total Bond Market Index Fund: 12.50%
  • Vanguard Short-Term Bond Index Fund: 2.00%
  • Vanguard Short-Term Inflation-Protected Securities Index Fund: 2.00%
  • State Street SPDR Portfolio High Yield Bond ETF: 2.63%
  • iShares Core International Aggregate Bond ETF: 2.13%
  • Vanguard Treasury Money Market Fund: 3.75%

Moderate Portfolio:

  • Vanguard Total Stock Market Index Fund: 36.00%
  • iShares Core U.S. REIT ETF: 3.00%
  • Vanguard Total International Stock Index Fund: 21.00%
  • Vanguard Total Bond Market Index Fund: 19.50%
  • Vanguard Short-Term Bond Index Fund: 3.25%
  • Vanguard Short-Term Inflation-Protected Securities Index Fund: 3.25%
  • State Street SPDR Portfolio High Yield Bond ETF: 3.25%
  • iShares Core International Aggregate Bond ETF: 3.25%
  • Vanguard Treasury Money Market Fund: 7.50%

Conservative Portfolio:

  • Vanguard Total Stock Market Index Fund: 18.00%
  • iShares Core U.S. REIT ETF: 1.50%
  • Vanguard Total International Stock Index Fund: 10.50%
  • Vanguard Total Bond Market Index Fund: 27.00%
  • Vanguard Short-Term Bond Index Fund: 6.75%
  • Vanguard Short-Term Inflation-Protected Securities Index Fund: 6.75%
  • State Street SPDR Portfolio High Yield Bond ETF: 0.00%
  • iShares Core International Aggregate Bond ETF: 4.50%
  • Vanguard Treasury Money Market Fund: 25.00%