It is highly recommended that you review the videos of the investment tools at least on your entry into the program. After that, you will be able to refer back to them at anytime by clicking the “video” button at the bottom of the page.
Overview of Tools
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Risk Analysis: To use the retirement planning tools effectively, it is necessary to first determine the type of Risk Profile best suited to your individual needs. The Questionnaire consists of a series of multiple choice questions. Your answers are automatically analyzed and a Risk Profile score calculated that corresponds with the type of investment structure most suitable for you. You may wish to retake the Questionnaire if a change occurs in your life, for example, if you leave your current job, retire, get married, etc.
Retirement Calculator: The Retirement Calculator analyzes your current savings and investments, contributions, income and spending to determine the wealth you will need to accumulate for retirement, the probability of reaching your goal, and the Risk Profile that is ideally suited to your financial situation. You can then choose the Risk Profile score generated by the Questionnaire, or the score generated from the Retirement Calculator to view recommended Asset Allocations for this quarter. NOTE: The Risk Profile score generated from the Questionnaire may be different than the score generated from the Retirement Calculator; therefore, it is beneficial to use both tools prior to using the Fund Portfolio Builder.
Portfolio Builder: The Fund Portfolio Builder, available to subscribers, allows you to create and save profiles for your investment accounts or the investment accounts of your family members. You should create one profile for each investment account. Using any of the profiles you have created, you then select company stock you own (if any) and the funds available for that type of investment account, to reach recommended asset allocations for that account.