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March 2019

Investing for The Long Term in A Fluctuating Market

Investing for the long term in a fluctuating market can be tough. Many people become discouraged by market volatility when they see the ups and downs that their investments experience. While frustrating, investors have to be aware of the potential for their investments to lose value, but they also need to know that history has demonstrated that investment markets grow over time. Learn three key principles for investing for the long term.

Making Saving for Retirement Easy

To help make your retirement vision a reality, Ohio DC has developed two ways to invest; Hassle-Free investing or Hands-On investing.

Hassle Free with LifePath Portfolios

Through a LifePath Portfolio, you get a straightforward, complete asset-allocation strategy. Each Portfolio is designed to be a single investment choice for your Ohio DC account.

Most people choose a target date near the year they plan to begin making withdrawals, but you are also free to choose a target date that matches your desired asset allocation and level of risk. Over time, the LifePath Portfolios automatically rebalance and are designed to become more conservative as you approach the target date1. Learn more about LifePath Portfolios. If you are already investing through a LifePath Portfolio, you’ve got the basics covered.

Hands-on Investing with Asset Allocation Models

Our models have been developed to meet the needs of investors ranging from conservative to aggressive. Your investment style is based on several factors, including:

  • Time Horizon
  • Personal goals
  • Tolerance for risk
  • How much income you think you’ll need in retirement

Use our Asset Allocation Tool, and in minutes, you’ll have a better understanding of what kind of investor you are. The Tool will suggest a portfolio model to fit your desired level of risk. Then, select investments from the menu to match the model you have chosen2.

1. Target Date Funds invest in a wide variety of underlying funds to help reduce investment risk. So, in addition to the expenses of the Target Date Funds, you pay a proportionate share of the expenses of the underlying funds. Target Date Funds are designed for people who plan to withdrawal funds during or near a specific year. Like other funds, Target Date Funds are subject to market risk and loss. Loss of principal can occur at any time, including before, at or after the target date. There is no guarantee that Target Date Funds will provide enough income for retirement.
2. Asset Allocation does not assure a profit or guarantee against loss in a declining market.
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