Underallocated:

When you joined the County of San Diego Program, you may have selected just 2 or 3 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 not only a broad spectrum of options, but also a suite of resources, including My Investment Planner℠, to help you find the right mix.

Overallocated:

When you chose your investments, you might have picked multiple target date funds when, in fact, you need to choose only 1 or 2 (if your financial professional suggests it as part of a more complex strategy).

How to solve for overallocation:

Target date funds were designed to make retirement investing easier. Each individual target date fund is allocated to provide the right mix of assets to help most investors who intend to retire in or near the target year achieve their goals. As the target year gets closer, the mix becomes more conservative. And you assume only the market risk and fees associated with just 1 fund.

If you’d rather create your own mix of investments, the County of San Diego Program offers not only a broad spectrum of options but also a suite of resources to help you find the right mix.