Your plan’s funds

Duke's Investment Advisory Committee (IAC) works to ensure that you have access to high quality investment options at the lowest cost. The IAC is composed of key Duke administrators who work closely with expert consultants who specialize in investment management.

You can create a mix of assets that fits your needs no matter how much investing experience you have. Select from the options on the left to learn more about these potential mixes and the fund choices associated with them.

• Tier 1: Asset allocation funds for a ready-made portfolio: This tier includes Vanguard Target Retirement Funds and Vanguard Wellington™ Fund. Each of these balanced funds contains a diversified portfolio of investments.
  
  Keep in mind that all investing is subject to risk, including the possible loss of the money you invest. Investments in Target Retirement Funds are subject to the risks of their underlying funds. The year in the fund name refers to the approximate year (the target date) when an investor in the fund would retire and leave the workforce. The fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. An investment in a Target Retirement Fund is not guaranteed at any time, including on or after the target date. Diversification does not ensure a profit or protect against a loss.
  

• 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.
  
  
• Tier 3: Other funds
  Though you can build a diversified portfolio from Tiers 1 and 2, Tier 3 funds are available should you wish to supplement your portfolio or invest for a specific objective. You will be responsible for monitoring the holdings to ensure that they are still in line with your objectives.