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Retirement Investing Personalities

What kind of investor are you? Some people want to read all the literature and make their own choices. Others want to leave the decision making to the professionals. No matter your style, when planning for retirement it’s important to know that if you invest you will face market risk. It’s always there and, because of it, it’s possible to lose what you invest. But there are ways to reduce the possible impact of market risk.

That’s why you may want to understand the concepts of asset allocation and diversification, and then decide how to apply these strategies when investing for retirement. And, remember this: We can help. Just let us know how much involvement you’d like us to have in your investment decisions.

We recognize that some participants want to actively engage in managing their investment portfolios, while others want less involvement. There are four investment approaches you can choose from.

Four Investment Approaches:

  1. Do it for me - with Nationwide ProAccount®

    Nationwide ProAccount® is a managed account service, available for an additional fee, designed to help take the guesswork out of retirement investing. With Nationwide ProAccount your investments are selected for you based on your age and risk tolerance, then monitored and adjusted over time to keep you on track toward your retirement goals. Nationwide ProAccount gives you:

    • Professional investment management from Wilshire Associates
    • Continuous oversight by Nationwide Investment Advisors, LLC
    • Frequent communications, including quarterly statement notification

    Note: You pay for this service through an asset management cost deducted from your account balance each quarter.

    Investment advice for Nationwide ProAccount is provided to plan participants by Nationwide Investment Advisors, LLC ("NIA"), a SEC-registered investment adviser. NIA has retained Wilshire Associates Incorporated ("Wilshire") as the Independent Financial Expert for Nationwide ProAccount, to make the investment decisions for the program. Wilshire is not an affiliate of Nationwide Investment Advisors, LLC (NIA).

  2. Help me do it — My Investment Planner

    • This service is offered by NIA and can be accessed through the KDC website, kentuckydcp.com.
    • Using your responses to a few questions, the tool will make investment recommendations using funds available through the KDC Spectrum of Investment Options.
    • You must take the actions necessary to implement your investment decisions based on the recommendations.
    • You should periodically review and update your asset allocation questionnaire or meet with a KDC Retirement Specialist to ensure you are on track to reach your savings goals.
    • This tool is a free service for KDC participants.
  3. Projected retirement date – with Target Retirement Funds

    We offer Vanguard Target Retirement Funds that are based on when you want to retire or when you plan to begin taking income. Just choose the fund that most closely matches your projected retirement date.

    Vanguard Target Retirement Funds are designed for people who plan to withdraw retirement funds during or near a specific year. These funds use a strategy that reallocates their assets to become more conservative as they approach retirement. However, these funds do not consider individual risk tolerances. The principal value is not guaranteed at any time including at the target date. When redeemed the amount received may be less than the amount invested.

  4. I’ll do it by myself- Your own strategy

    Develop your own asset allocation strategy and select from the diversified set of funds available through the plan that best match that strategy. No investment strategy, including the use of asset allocation and diversification, can assure a profit or protect against loss.

    But, remember we’re always here if you have questions. Talk to your KDC Retirement Specialist or the KDC office at 800-542-2667 or 502-573-7925.

Vanguard Target Retirement Funds are designed for investors expecting to retire around the year indicated in each fund’s name. However, Vanguard notes that its target-year suggestions are based on a retirement age of 65. Investors who plan to retire significantly earlier or later may want to consider a fund with an asset allocation more appropriate to their particular situation. The assets in each fund are allocated to other Vanguard stock and bond funds to seek a blend of growth and current income. With the exception of the Vanguard Retirement Income Fund, the equity component of the funds may range from 40% to 90%. Except for the Vanguard Target Retirement Income Fund, the funds’ asset allocation becomes increasingly conservative as they approach their target date and beyond. Ultimately, they are expected to merge with the Vanguard Target Retirement Income Fund, which maintains about 70% in bonds. The investment risk of each Vanguard Target Retirement Fund changes over time as its asset allocation changes. They are subject to the volatility of the financial markets, including equity and fixed income investments in the U.S. and abroad and may be subject to risks associated with investing in high yield, small cap and foreign securities. Principal investment is not guaranteed at any time, including at or after the designated target retirement date.

Vanguard Target Retirement Funds are designed for people who plan to withdraw retirement funds during or near a specific year. These funds use a strategy that reallocates their assets to become more conservative as they approach retirement. However, these funds do not consider individual risk tolerances. The principal value is not guaranteed at any time including at the target date. When redeemed the amount received may be less than the amount invested

Before investing through Kentucky Deferred Comp, please consider the fund’s investment objectives, risks, and charges and expenses carefully. The prospectus contains this and other important information about the investment company. Prospectuses and fund fact sheets are available by download from www.kentuckydcp.com or by calling 800-542-2667. Please read the prospectus carefully before investing.

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NRW-2920KY-KY.2
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