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Investment options and concepts

Use our materials to help you make the right investment decisions for you.
Investment mix
Build your portfolio
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Investment options
Key concepts

Create the right mix to reach your goals

When it comes to your retirement investments, asset allocation and diversification are important. That’s why we’ve created educational materials to help you learn the basics. Let us put our personalized approach to work. The right mix in your asset allocation can help you achieve the growth you want in your retirement plan.

The importance of the right mix of investments

Your asset allocation strategy should be consistent with your investing style — ranging from conservative to aggressive. The idea is to find an appropriate balance of risk vs. reward by mixing investments to suit your style and your time horizon. Use our My Investment PlannerSM to help determine your personal investment style and asset allocation strategy.

Because various assets will grow at different paces, the allocation of assets in your County of San Diego retirement account could become unbalanced when compared to your original strategy. That’s why we recommend that you consider rebalancing your assets regularly.

3 ways to build your investment portfolio

Target date funds

Select an investment option that aligns with your investing personality (conservative, moderate, aggressive) or the year closest to when you hope to retire. Consider asset allocation funds or target date funds.

My Investment PlannerSM

Find your investment style and suggested asset mix based on your target retirement date, personal goals and tolerance for risk. Log in to see a more specific allocation recommendation for you.

Managed account services

Nationwide ProAccount® is a service that manages your investments for you. It’s based on personalized information you provide, giving you a customized investment mix.

Videos

Mixing it up

Watch this video to learn about the benefits of selecting the right investment mix now and revisiting and adjusting your portofilio as your needs, risk tolerance and objectives change. 

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What are asset allocation and diversifications?

How asset allocation works workshop

Discover your right mix of investing

Do you have the right mix?

Participants often have asset allocations that fall into one of three categories: overallocated, under allocated or just about right. Our goal is for everyone to find the right mix to help them achieve their retirement income goals. 

Read more to determine where your asset allocation might exist today and how to ensure the right mix to achieve the asset growth you want. 

Underallocated

When you joined the County of San Diego Program, you may have selected just two or three investment options. Over time, fund performance could have caused you to assume more market risk than you intend. Or you might not be invested aggressively enough to help achieve the asset growth you want.

How to solve for under allocation: Now might be a good time to consider the right mix for your needs. The County of San Diego Program offers a broad spectrum of options and a suite of resources, including My Investment PlannerSM, to help you find the right mix.

Overallocated

When you chose your investments, you might have picked multiple target date funds (TDFs) or a TDF plus a fund(s) from our core menu, when each TDF is designed to be your only investment.

How to solve for overallocation: The My Investment PlannerSM is a free tool that can help you find the right mix for your allocation. If you prefer a single fund that is already appropriately allocated to make investing easier, target date funds simplify the process. (Some investors choose two target date funds when they plan to retire in a range between two TDFs.)

Whether you’re using a target date fund or creating your own mix of investments, the County of San Diego Program is available to help you find the right mix.
Log into your account or talk to your Nationwide Retirement Specialist.

Learn some key investing concepts

My Investment Planner is a service mark of Nationwide Mutual Insurance Company. Third-party marks that appear in this message are the property of their respective owners.