To understand our investment menu, remember the threes

Let's explain the three approaches to investing:

If there is one truism in retirement plan participation, it's that no two investors are alike. The Plan has created three approaches that are generally aligned with how comfortable or willing you are to manage how your retirement assets are invested through the Plan.

Do It For Me

An approach that uses target date CITs based on when you plan to retire or begin taking withdrawals

Do It Yourself

An approach to personally design and monitor your asset allocation and investment options.

Specialty Options

Options that represent special interests such as environmental, social and governance factors or other specialty investment strategies

Three types of investment options:

Although the more important decision is your approach to investing, you should also be aware of the three types of investment options in the Plan.

1. Mutual Funds
You may be most familiar with mutual funds - diversified portfolios of stocks, bonds and other investments managed to achieve a stated objective. Each fund is assigned a five-letter ticket symbol that helps investors find information via financial Web sites and publications.

In addition, each fund publishes a prospectus: a formal legal document filed with the SEC that provides details about its investment objectives, fees, charges and expenses, and related information.

2. Collective Investment Trusts
Collective investment trusts (CITs) are similar to mutual funds, offering many of the same diversification and management services as mutual funds but generally at a lower cost.

Many CITs are designed specifically for retirement plan investors. Therefore, specific information about a CIT may be available solely through the Plan that offers it. Participants may request fact sheets about CITs offered through the Plan from the HELPLINE or download them from our Web site.

3. Custom
Custom options are created for the exclusive use of Plan participants featuring investments from several separate account investment management companies. Because of their custom nature, information about these funds is only available through the Plan. As with CITs, participants may request fact sheets about each of the Plan's custom funds from the HELPLINE or download them from our Web site.

Before investing, you should carefully consider the fund’s investment objectives, risks, charges, and expenses. This and other information is contained in the fund prospectus, which is available by calling 1-800-422-8463. Read it carefully before you invest.

Get the help you need

Contact us if you have questions about investment options with the Plan. Remember, investing involves market risk, including the possible loss of the money invested.

NRW-3460NY-NY.2
NRW-3460NY-NY.2
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