Your plan’s investment options

You can create a mix of assets that fits your needs no matter how much investing experience you have.

• All-in-one fund option: Target Retirement Funds provide a predetermined mix of Vanguard funds. If you choose this option, you may want to make one fund your primary holding.
  
  Keep in mind that even though Target Retirement Funds simplify the investment process, they still require some monitoring to ensure that the portfolio is in line with your current situation. 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. The Income Fund has a fixed investment allocation and is designed for investors who are already retired. An investment in a Target Retirement Fund is not guaranteed at any time, including on or after the target date.
  
• Core funds: Select your own funds to create a mix of assets just for you. Consider completing the Investor Questionnaire to compare your choices to Vanguard’s suggested asset mix.

Choose or change your investments

To choose or change an investment election, just log in to vanguard.com/retirementplans.

If you need help, call 800-523-1188 to speak with a Vanguard Participant Services associate Monday through Friday from 8:30 a.m. to 9:00 p.m.

Before you invest, get the details. Consider the fund’s objective, risks, charges, and expenses. The fund’s prospectus (or summary prospectus, if available) will tell you these important facts and more. So read it carefully. Call Vanguard at 800-523-1188 to get one. Or you can find one at vanguard.com.

Whenever you invest, there's a chance you could lose the money.

Vanguard Federal Money Market Fund and Vanguard Treasury 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.