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Review Your Investment Strategy Regularly


Your investment strategy can play a key role in achieving your retirement financial goals. It’s important to review your investment strategy at least annually. Ask yourself these four questions:

1. Have my savings contributions changed? (Decreased because of a job change? Increased because of a promotion?)

2. Have my retirement goals changed? (Estimated retirement year? Estimated expenses after retirement?)

3. Should I change my beneficiaries because of a qualifying life event change (marriage, birth or adoption of child, divorce, other)?

4. Should I change my asset allocation and diversification because of any of the above?

Asset Allocation Should Support Your Retirement Goals

The mix of assets in which you invest your savings, for example stocks and bonds, or the classes of assets, such as short-term bonds, global large-cap stocks, or U.S. small-cap stocks, are called asset allocation. Many experts prefer diversified asset allocation — that is, diversifying investments among and within different types of stocks, bonds, and other assets — so that low performance in one asset class may be offset by better performance in a different class (View What asset mix is right for you? and The pros’ guide to diversification).

If you need help aligning asset allocation with your retirement goals, consider these resources:

  • Professional guidance. Consult your personal financial or tax adviser, or reach out to a Fidelity Workplace Planning and Guidance Consultant, available to all RSP participants by calling 800-642-7131 to schedule a free, confidential telephone consultation (mention plan #57887).
  • Target date lifecycle funds. Target date funds, such as the RSP Freedom Funds, can make investing easier with a single-fund option for your long-term retirement savings. Read more at Fidelity Freedom Funds.

If you still have questions, call Fidelity at 800-343-0860 (mention plan #57887) or call the Board at 800-773-7752 (800-PRESPLAN) and speak with a service representative.