Stay on Target!

Keeping your retirement portfolio on track

Have you looked at your plan account's asset allocation lately? You may find that your current mix of investments is out of sync with your target allocation. That's because some of your investments may outperform or underperform others over time, in effect changing the overall composition — and risk — of your portfolio.

Rebalancing

It's a good idea to review your portfolio allocation at least once a year. You may also want to reassess your target allocation if your risk tolerance or goals change. If you do find that your current allocation is out of step with your target allocation, you have two ways to rebalance your portfolio:

Change the mix of your existing portfolio to match your target allocation.
Change the mix of your new contributions to emphasize underrepresented asset classes.

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Asset Allocation, which is a method of diversification that positions assets among major investment categories, does not guarantee a profit or protection against a loss.

This email is not intended, and should not be relied upon, as investment or financial advice and does not constitute an offer or solicitation of any kind. It is not possible to invest directly in an index.

Funds that invest in bonds are subject to interest rate risk and can lose principal value when interest rates rise.

Stocks and other general securities are subject to market risk, are not bank products, and are not guaranteed or insured by the Federal Deposit Insurance Corporation (FDIC) or any other federal entity.

Investments are subject to fluctuation in value and market risk, including loss of principal.

Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY); Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN).

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