SUBSCRIBE
Enter your Name and Email address to get
the newsletter delivered to your inbox.
Please include name of person that directed you to my online newsletter so I can thank them personally.
5610 Ward Road, Suite 300 Arvada, CO 80002
9200 E. Mineral Avenue Centennial, CO 80112
Phone: 303-252-0852
Website: www.walshfinancialsolutions.com
September/October 2017
Making the Choice for You
Joining your employer’s retirement plan typically means choosing investments and specifying the percentage of your plan contributions that you want to invest in each one. But what happens if you don’t choose any investments? In that case, your plan may invest your contributions in a “qualified default investment alternative,” or QDIA.
A Look at QDIAs
There are basically four types of QDIAs:
- A lifecycle or target date fund contains a mix of investments, such as stocks and bonds, that takes a participant’s age or anticipated retirement date into account. The fund’s asset allocation generally becomes more conservative as the target date approaches.
- A professionally managed account invests in various plan options to provide an asset mix that is based on an individual’s age or retirement date.
- A balanced fund offers a mix of investments that takes into account the characteristics of the group of employees as a whole rather than each individual.
- A capital preservation product is designed to preserve the value of the account and may be used as a default investment for only a limited period of time.
A QDIA is generally not permitted to invest participant contributions in employer securities.
What’s Best for You?
You’ll have the option of leaving your money in the default investment or making your own investment selections. Before you decide, review your plan’s QDIA as well as the other investments your plan offers. Your goal should be to choose investments that reflect your objectives, time frame, and risk tolerance.
Fund balances may vary and there is no guarantee principal will be intact at maturity for the QDIA funds referenced in this newsletter.
FR2017-0504-0006/E
CONTACT US
Enter your Name, Email Address and a short message. We'll respond to you as soon as possible.
Advisory Services offered through Walsh Financial Solutions or Vanderbilt Advisory Services. Securities offered through Vanderbilt Securities, LLC. Member FINRA, SIPC. Registered with MSRB. Walsh Financial Solutions and Vanderbilt Securities, LLC are separate and unaffiliated entities. Clearing agent: Fidelity Clearing & Custody Solutions. Insurance Services offered through Vanderbilt Insurance and other agencies. Supervising Office: 125 Froehlich Farm Blvd, Woodbury, NY 11797 631-845-5100
For additional information on services, disclosures, fees, and conflicts of interest, please visit www.vanderbiltfg.com/disclosures
Walsh Financial Solutions, LLC and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.
The information and opinions contained in this web site are obtained from sources believed to be reliable, but their accuracy cannot be guaranteed. The publishers assume no responsibility for errors and omissions or for any damages resulting from the use of the published information. This web site is published with the understanding that it does not render legal, accounting, financial, or other professional advice. Whole or partial reproduction of this web site is forbidden without the written permission of the publisher.