Investment Options

Equities represent ownership in companies and can provide long-term growth, income, and diversification within a retirement-focused portfolio.

  • Direct ownership in a single company. Stocks can provide growth and, in some cases, dividend income. Individual stocks require careful research and active management to manage risk.

    • Large-Cap Stocks
    Shares of well-established companies with large market capitalizations. Often considered more stable relative to smaller companies.

    • Dividend Stocks
    Companies that regularly distribute a portion of profits to shareholders. May provide income in addition to potential price appreciation.

    • Growth Stocks
    Companies reinvesting profits to expand operations. Typically focused on long-term capital appreciation rather than income.

  • Professionally managed portfolios that pool money from multiple investors to purchase a diversified mix of securities. Mutual funds can offer built-in diversification and simplified portfolio management.

    • Actively Managed Funds
    Portfolio managers make ongoing investment decisions in an attempt to outperform a benchmark index.

    • Index Funds
    Designed to track the performance of a specific market index, often with lower expense ratios.

    • Target-Date Funds
    Automatically adjust asset allocation over time based on a projected retirement date.

  • Similar to mutual funds, ETFs hold a basket of securities but trade on an exchange like individual stocks. They often provide diversification with flexibility and competitive costs.

    • Broad Market ETFs
    Track major market indexes such as the S&P 500 or total stock market.

    • Sector ETFs
    Focus on specific industries such as healthcare, technology, or energy.

    • Bond ETFs
    Provide exposure to fixed-income markets through a diversified basket of bonds.

  • Debt securities issued by governments or corporations. Bonds can provide predictable income and may help reduce overall portfolio volatility, particularly as retirement approaches.

    • Corporate Bonds
    Issued by companies to raise capital. Typically offer higher yields than government bonds but carry credit risk.

    • Municipal Bonds (Taxable)
    Issued by state or local governments. May offer competitive yields depending on the issuer.

    • Municipal Bonds (Tax-Exempt)
    Often exempt from federal income taxes and sometimes state taxes, making them attractive for certain income-focused investors.

    • U.S. Treasury Bonds
    Backed by the U.S. government and considered among the lowest credit-risk investments.

  • A professionally selected, fixed portfolio of securities held for a defined period of time. Unlike mutual funds, UITs generally do not actively trade holdings.

    • Equity UITs
    Focused on a portfolio of stocks selected for income or growth objectives.

    • Bond UITs
    Structured portfolios of bonds designed to provide predictable income over a defined time horizon.

    • Thematic UITs
    Built around specific investment themes or sectors for a set investment period.