Tier 2: Core funds to build your own portfolio

If you have investing experience and the time or expertise to periodically rebalance your portfolio, consider creating a portfolio of core funds. These are funds of various asset classes that, when used in combination, can provide diversification.

The funds in this tier have been specifically chosen by the IAC and will be reviewed annually to ensure that their performance and cost remain competitive.

If you choose to invest in this tier, you may want to consider Vanguard’s Investor Questionnaire.

For help figuring out the best mix for you, complete Vanguard’s Investor Questionnaire. You’ll answer 11 questions about your investment experience, tolerance for risk, and time horizon, and get suggested investment mix that you can use to help build a diversified portfolio.

To get started join now. You will need your Social Security number, zip code, birth date, and plan number (091156).

You should consider using the questionnaire to review your asset mix once a year to see if it still matches your original target mix. If you find that your current and target mixes differ substantially, you may want to make investment changes to get back to your target mix.

A note about risk
All investing is subject to risk, including the possible loss of the money you invest. Bond funds are subject to the risk that an issuer will fail to make payments on time, and that bond prices will decline because of rising interest rates or negative perceptions of an issuer's ability to make payments. Prices of mid- and small-cap stocks often fluctuate more than those of large-company stocks. Investments in stocks or bonds issued by non-U.S. companies are subject to risks including country/regional risk and currency risk.

Vanguard Federal Money Market Fund:
You could lose money by investing in the fund. Although the fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The fund’s sponsor has no legal obligation to provide financial support to the fund, and you should not expect that the sponsor will provide financial support to the fund at any time.