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Explore the broad range of investment options available to help you achieve your retirement goals.

About your investments

Your plan includes a diverse investment lineup, representing a spectrum of asset classes and risk/return characteristics that allow you to tailor your account to help meet your financial goals and investment style.

Fund Fact Sheets are available via the links on this page. They provide details about each fund’s performance, fees and underlying investments.

For additional information on fund performance, please view the Investment Performance for all available investment options in your plan.

Self-Directed Mutual Fund Option

Access to over 15,000 mutual funds from over 400 different mutual families

Through the MTA Deferred Compensation Program, you have the ability to transfer up to 20% of your retirement assets to a Self-Directed Mutual Fund Option. This optional program allows you to invest in an expanded selection of mutual funds through your retirement account. Investing in mutual funds, rather than individual securities, is a strategy many investors employ to help them manage their risk. You should consider this option carefully. Also, a minimum account balance is required for brokerage accounts, and additional fees apply.

Important considerations:

This Option gives experienced investors a potentially higher level of risk, as well as the potential for higher reward. Additional fees also apply.

To learn more about the Self-Directed Mutual Fund Option, call 877-PLN-4MTA (877-756-4682), weekdays from 8 a.m. to 9 p.m. ET.

GoalMaker, and optional Asset Allocation service

You can help take the guesswork out of choosing an investment mix. Just answer three questions to find a model portfolio that may work for you. Keep in mind that application of asset allocation and diversification concepts does not assure a profit or protect against loss in a declining market. You can lose money by investing in securities.

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The target-date is the approximate date when investors plan to retire and may begin withdrawing their money. The asset allocation of the target-date funds will become more conservative as the target-date approaches by lessening your equity exposure and increasing your exposure in fixed income investments. The principal value of an investment in a target-date fund is not guaranteed at any time, including the target-date. There is no guarantee that the fund will provide adequate retirement income.

A target-date fund should not be selected solely based on age or retirement date. Before investing, participants should carefully consider the fund's investment objectives, risks, charges and expenses, as well as their age, anticipated retirement date, risk tolerance, other investments owned, and planned withdrawals.

The stated asset allocation may be subject to change. It is possible to lose money in a target-date fund, including losses near and following retirement. Investments in the funds are not deposits or obligations of any bank and are not insured or guaranteed by any governmental agency or instrumentality.

GoalMaker’s model allocations are based on generally accepted financial theories that take into account the historic returns of different asset classes. But, of course, past performance of any investment does not guarantee future results. Participants should consider their other assets, income and investments (e.g. equity in a home, Social Security benefits, individual retirement plan investments, etc.) in addition to their interest in the plan, to the extent those items are not taken into account in the model. Participants should also periodically reassess their GoalMaker investments to make sure their model portfolio continues to correspond to their changing attitudes and retirement time horizon.

Investment disclaimers

All investing involves various risks, including the possible loss of principal. You can lose money by investing in securities.