|
Investment Management Choice
|
Historical
Average Annual Return (AAR)
|
Risk
|
Expectation of Reaching Your
Retirement Plan Goal *
|
|
Money Market |
Low
(3% - 4%)
|
None
|
Never |
Do-it-Yourself
(No Help) |
Low to Medium
(0% - 5%)
|
High
|
Never |
Formulaic Asset Allocation
(Done for you --
Life Cycle/Target Date Funds,
Managed Accounts, etc.) |
Medium
(4% - 8%)
|
High
|
Extremely Low
(Only works if done for 75 years and you retire during an up-market peak) |
Formulaic Asset Allocation
(Do-it-Yourself with Help --
Financial Engines™,
Guided Choice™,
web-based questionnaire models, etc.) |
Medium
(4% - 7%)
|
High
|
Extremely Low
(Only works if done for 75 years and you retire during an up-market peak) |
|
Adaptive Asset Allocation™
(Do-it-Yourself with Help - Horizon™) |
High
(12% - 17%)
|
Low
|
Extremely High |
