The information below is intended to eliminate the guesswork of building a well-diversified portfolio appropriate for your retirement goals and ability to accept market volatility. To view a list of all of the investment options available in your plan including fees, risks, and historical returns, please login to your account.

Dimensional Target Date Retirement Income Fund

Dimensional’s Target Date Retirement Income Funds are designed to be diversified across a mix of asset classes that include stocks and bonds. Over time, the investment emphasis shifts from income growth to income risk management.

Early Working Years Contributions are invested primarily in Income-Growth Assets, which are expected to increase in value over time.

Later Working Years Any increase in value of the income-growth assets can be invested toward more inflationprotected securities later in your career.

Approaching Retirement The investment focus shifts from growing income to managing income risk, with more portfolio assets invested in inflation-protected securities to manage future retirement income risk.

In Retirement The portfolio remains focused on Income Risk Management Assets in an effort to guard against risks like inflation or a market downturn.

Assumptions and forecasts used by Dimensional in developing the funds’ asset allocation glide path may not be in line with future capital market returns and participant savings activities, which could result in losses near, at, or after the target date year.

By choosing a Dimensional Target Date Retirement Income Fund, you can take an important step toward planning for retirement.
Whether your retirement date is near or many years from now, focusing on income can help you see where you are headed—allowing you to better plan today and giving you a clearer view of your path to retirement.

The funds are offered in five-year increments, with the target date indicating when an investor may expect to retire and stop making contributions in the fund.

For example, if it is 2015 and you expect to work another 30 years, the 2045 fund might be an appropriate target date fund for you. If you are planning to retire earlier or work longer, you can choose a fund with a date closer to your anticipated retirement.

TD 2060	TD 2055	TD 2050	TD 2045	TD 2040	TD 2035	TD 2030	TD 2025	TD 2020	TD 2015
Age 22 or younger	Age 23 to 37	Age 28 to 32	Age 33 to 37	Age 38 to 42	Age 43 to 47	Age 48 to 52	Age 53 to 57	Age 58 to 62	Age 63 to 67
About 45 Years to Retirement	About 40 Years to Retirement	About 35 Years to Retirement	About 30 Years to Retirement	About 25 Years to Retirement	About 20 Years to Retirement	About 15 Years to Retirement	About 10 Years to Retirement	About 5 Years to Retirement	Newly Retired
Aggressive					Balance Moderate			Conservative
95% Stocks 5% Bonds	95% Stocks 5% Bonds	95% Stocks 5% Bonds	95% Stocks 5% Bonds	92% Stocks 8% Bonds	79% Stocks 21% Bonds	65% Stocks 35% Bonds	52% Stocks 48% Bonds	38% Stocks 62% Bonds	25% Stocks 75% Bonds

Allocation and holdings are subject to change. Please see the prospectus for more information on target ranges for allocations to underlying stock and bond funds. Stocks include US and Non US (Global) Equity Funds. Bonds include portions of Global Fixed-Income Funds and Inflation Protected Liability Driven Investment (LDI).

Click for the Brochure	Click for the Calculator	Click for the Website

Having narrowed down your desired portfolio, login to your retirement plan account to adjust your investment elections. For support with this process here are step-by-step instructions. For advice on selecting a portfolio, please contact IFA. We are happy to help.

Choosing The Right Mix Of Investments For Your Portfolio

• Begin by clicking on the Portfolio matching to your age.
• Review the historical risk and return characteristics of the benchmark portfolio¹ to make sure this is an appropriate portfolio for you.

  Should this not be quite right, you may click on another portfolio. A portfolio with a lower number will have a reduced risk profile (and expected return); a higher number portfolio will have an increased risk profile (and expected return).

Having narrowed down your desired portfolio, login to your retirement plan account to adjust your investment elections. For support with this process here are step-by-step instructions. For advice on selecting a portfolio, please contact IFA. We are happy to help.

Only Low Risk Investors

Age 70 to 80

Age 60 to 70

Age 50 to 60

Age 40 to 50

Age 30 to 40

Age 20 to 30

Only High Risk Investors

1. The Benchmark Portfolio provided below should be used to help you understand the historical risk and return characteristics of your selected portfolio. Please note that the Benchmark Portfolio may have a slightly different allocation due to limitations with your plan's recordkeeper, but does have the same General Asset Class allocation.

Benchmark Portfolio