How does Morningstar Investment Management determine my risk level?
Morningstar Investment Management works to balance investing for the long term with taking on the appropriate amount of risk today to help you reach your goals. It’s a healthy mix of art and science that emphasizes disciplined saving and investing rather than chasing market returns.
However, the cornerstone of our approach to risk is you. The more you tell us about yourself, the more tailored our advice can be. We take the information we receive about you into account, from your salary and desired retirement location to the other retirement income you report to us, when determining a risk level that’s appropriate for you. For example, if you have other accounts that are aggressively invested outside your plan account, we may invest your portfolio more conservatively to balance out your overall risk.
While no investment strategy can ensure a profit or protect against a loss, our approach to risk seeks to help you better withstand the market’s ups and downs.
Why does the value of my portfolio fluctuate?
The value of your retirement portfolio fluctuates because the underlying stocks, bonds, and other investments that comprise your portfolio continually change. These changes are due to market forces, or volatility in the market, which cause the value of your portfolio to shift. We account for this volatility when creating your strategy and work to maintain an appropriate equity allocation to help you weather various economic cycles. As a long-term investor we’re focused on your end goal, not distracted by the market’s ups and downs.
Why am I not seeing the returns I was expecting?
When it comes to investing, market fluctuations are a given and dips will unfortunately affect returns. Morningstar Investment Management takes a long-term, holistic and diversified approach to investing with the goal of helping you meet your retirement goals. Morningstar Retirement Manager applies our total wealth methodology, which is designed to account for a person’s total financial situation. This helps us ensure your portfolio has the appropriate amount of risk for you with the aim of helping your portfolio weather the market's ups and downs.
Note: Diversification and asset allocation are methods used to help manage risk. They do not ensure a profit or protect against a loss.
Will Morningstar Investment Management's advice be able to outperform other investment options?
Morningstar Investment Management can't guarantee performance, but we aim to make an impact with our professional, personalized investment strategies.
When it comes to planning for the future you want, you deserve a plan that reflects who you are and where you want to go. Are you a do-it-yourself investor that wonders if you’re on the right track? Or have you always relied on target-date funds but want something that considers more than just your age? No matter what reason you have for enrolling, we’ll create a plan based on your needs, not a generic benchmark.
What about Morningstar Retirement Manager? Why should I use it?
Morningstar Retirement Manager helps to take the guesswork out of saving for retirement. You’ll get personalized advice on how much to save for retirement, when to retire, and how to invest your other retirement income. We've found that people who aren't on track for retirement and use Morningstar Retirement Manager, increase their savings rate by 33%. Increasing your savings rates can ultimately lead to more wealth in retirement1.
You can visit Morningstar Retirement Manager whenever you want to check in on your goals, update your information, or take a peek at any new recommendations.