If you don’t want to risk the loss of principal or if you may need your money in less than three years, then consider this fund.
Funds Within Asset Class Money Market:
If you have less than five years to invest and may need your money to pay for college or to purchase a home, then this allocation would be more appropriate.

Funds Within Asset Class
U.S. Equities
Fixed Income
Money Market
Consider this mix if you’re retired, you’re getting a paycheck from portfolio income or you may retire soon. It’s better for those who won’t need the money for five to ten years.

Funds Within Each Asset Class
U.S. Equities
International Equities
Fixed Income
Money Market
Many investors fall into this middle category because they’re planning to invest for a long-term goal such as retirement or college and have a time horizon of ten years or longer.

Funds Within Each Asset Class
U.S. Equities
International Equities
Fixed Income
Money Market
If you’re looking for potential investment growth, are willing to wait ten years or more for the potential rewards, and are comfortable with a slightly higher degree of risk, then this allocation could be a good choice.

Funds Within Each Asset Class
U.S. Equities
International Equities
Fixed Income
Money Market
If you have enough income from other sources to fund your living expenses and your time horizon is ten or more years, this mix can be appropriate for those seeking substantial growth and willing to take the risks that accompany that potential opportunity.

Funds Within Each Asset Class
U.S. Equities
International Equities
Fixed Income