Page 7 - American Century Retirement Plan Enrollment Guide

STEP 2:
Decide Which Investments Are for You
The Plan allows you to choose investments that fit your own investment approach. Some people like help in selecting their investments. Others prefer a more hands-on approach, actively selecting and managing their own investments. The Plan offers you the following options.
Invest on Your Own in the Plan’s Core Investment Choices
Do you enjoy researching and choosing among investments? Do you have the time to manage your Plan account at least once a year? The Plan’s core investment selections offer an array of investments chosen by the company to give you a diverse range of choices.
How Does it Work?
• First, determine your risk tolerance by completing the Investor Profile Questionnaire (IPQ).
• Conduct research as needed, using the many tools Schwab Retirement Plan Services, Inc. provides, to help you analyze and choose from the Plan- selected funds.
• Decide what percentage of your contribution should go to each fund. The choice is yours
Schwab Retirement Plan Services, Inc. enables you to initiate investment election changes, rebalances, and fund transfers by contribution type (i.e., pre-tax 401(k) deferrals and Roth 401(k) deferrals). If you wish, you can continue to invest across all contribution types.
You may change your investment elections for future contributions, rebalance your investments or request a prospectus (if available) at workplace.schwab.com or by calling Participant Services at 1-800-724-7526.
To help determine the allocation that may work for you, log in to workplace.schwab.com and complete the IPQ, located at Manage Account > Investments.
To view your Plan’s fund lineup, log in to workplace.schwab.com, Manage Account > Investments.
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