Put time to work for you. The more you have, the more your money has a chance to grow. Get started and remember: no decision is final. You can make changes anytime.1 We’re here to help you along the way.
With Managed Account Services offered through your plan, investments are selected for you based on your age and risk tolerance. Then they’re monitored & adjusted over time by a professional to help keep you on track with your goals.
Check with your plan representative to see if your plan offers a Managed Account Service option.
Service provided for a fee.
Help me do it
- if you're unsure about investing
Pick one fund to get started.
Asset allocation funds
These align with your investing style – conservative, moderate or aggressive.
Target date funds
A type of asset allocation fund that aligns with a year close to when you plan to retire. They’re designed to gradually become more conservative as retirement gets closer.
Do it myself
- for the savvy investor
You can select your own investments, monitor and change them anytime. Consider filling out a Risk Tolerance Questionnaire to determine what type of investor you are.
Your plan may offer a Managed Account Service for a fee. Check with your plan.
Help me do it
Select an investment option that aligns with your investing personality (conservative, moderate, aggressive) or the year closest to when you hope to retire. These are asset allocation funds and target date funds.
Asset allocation funds are available for conservative, moderate or aggressive investors.
Target date funds are a type of asset allocation fund that is rebalanced over time to become more conservative as retirement approaches.
Target date funds invest in a wide variety of underlying funds to help reduce investment risk. So, in addition to the expenses of the target date funds, you pay a proportionate share of the expenses of the underlying funds. Target date funds are designed for people who plan to withdraw funds during or near a specific year. Like other funds, target date funds are subject to market risk and loss. Loss of principal can occur at any time, including before, at or after the target date. There is no guarantee that target date funds will provide enough income for retirement.
Do it myself
Build your own portfolio by understanding your risk tolerance and your plan’s investment options & performance.
For more information on specific investment options, go to nationwide.com/investmentoptions. Enter your case number and select Comparative Chart of Investment Options. Under each fund name, you can link to the prospectus and/or fact sheet.
 Retiree Health Care Costs Continue to Surge, Fidelity Viewpoints (September 2017). Estimate based on a hypothetical couple retiring in 2017, with average life expectancies of 85 for a male and 87 for a female.
The plan sponsor, and not Nationwide, selects the registered investment advisor used in conjunction with managed accounts. The plan sponsor must determine whether this service is appropriate for participants. Additional fees apply for this service.
Please remember there is no assurance that the investment objective of any fund (or that of any underlying fund) will be achieved, nor that a diversified portfolio will produce better results than a non-diversified portfolio. Asset allocation and diversification do not guarantee returns or insulate an investor from potential losses, including possible loss of principal.