Design: Plan Your Future. First, define your goals and the right investment style for you.
You may spend 25 or more years in retirement, and your money has to last as long as you do. But inflation has averaged about 4% per year for the past 20 years. At that rate, your cost of living could more than double in 20 years.
To make sure your profit-sharing funds grow faster than inflation, you need to create a sound investment strategy. We're here to help, by providing information, tools, and a broad array of investment options. To learn more about retirement planning and the services available to you, a good place to start is our 15-page brochure, Your Guide to Building Your Financial Future. We also invite you to watch our step-by-step Basics of Investing video.
Model Portfolios Make it Easier
Your investment strategy begins with asset allocation. That's the process of spreading your investments out among three major types of investment: stocks, bonds, and money market/stable funds. To help you choose the right asset allocation mix, your plan offers Model Portfolios based on two factors:
- The number of years you have until you retire — your "time horizon"
- How comfortable you are with investment risk — your "risk tolerance"
Once you've selected your Model Portfolio, you can customize it by modifying your investment options right here on our website.
Start Here
Answer a few brief questions to Choose Your Model Portfolio
To estimate how much you need to save before retiring, use Wachovia's simple online calculator: Retirement Quick View.
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