No matter your investment style, Savings Plus has an investment option for you

Knowing your investment style can help you make the best investment decisions. Most investors fall into three categories:

  • Do it for me
  • Manage it for me
  • Do it myself

1. How would you rate your knowledge of the following investing concepts?

  Excellent Average Poor None Score
Asset allocation 3 2 1 0 ___
Investment risk 3 2 1 0 ___

2. How often do you perform the following tasks in your 401(k) and/or 457(b) account(s)?

  Weekly Monthly Quarterly Yearly Score
Check your 401(k)/457(b) balance(s) 3 2 1 0 ___
Change the investments in your 401(k)/457(b) account(s) 3 2 1 0 ___

3. How confident are you that you understand the following aspects of your 401(k) and/or 457(b) account(s)?

  Very Mostly Not Very Not at all Score
Investment choices 3 2 1 0 ___
Retirement income and savings rate projection tools 3 2 1 0 ___

4. How confident are you about your ability to:

  Very Mostly Not Very Not at all Score
Choose the right investments 3 2 1 0 ___
Forecast your income needs in retirement 3 2 1 0 ___

5. In the past, how satisfied have you been in your ability to:

  Very Mostly Not Very Not at all Score
Choose the right investments 3 2 1 0 ___
Know the right time to make changes to your portfolio 3 2 1 0 ___

Total Score: _____

Total Score Likely Investing Personality Possible Investment Service
Under 15 Do it for me or manage it for me Consider using a Target Date Fund or enrolling in the
Professional Management program.
15 or more Do it myself Consider using the Savings Plus core investment funds and possibly opening a Personal Choice Retirement Account (PCRA) for additional choices.
You can also use our My Investment Planner, our online advice tool to help you make decisions.
Expand All

Do it for me

For investors who prefer a less hands-on experience, Savings Plus offers Target Date Funds.

Each Target Date Fund offers a diversified mix of investments that becomes more conservative as the fund approaches a specific target date. Instead of choosing a fund based on risk (such as conservative or aggressive), you choose one fund based on the time frame in which you expect to begin taking distributions from your account (such as your retirement date). 

The asset allocations in the Target Date Funds are rebalanced annually, becoming more conservative as the target date approaches. Each Target Date Fund assumes age 62 as the date you will begin taking distributions, but you should choose the Target Date Fund that best matches your goals.

Note: If you do not select how you want your contributions invested when you first enroll in Savings Plus, your contributions will post to the Target Date Fund that more closely aligns with your date of birth.

If you were
born between…
You might choose this fund
(assumes taking a distribution at age 62)
1955 or earlier Target Date Fund–Income
1956 – 1960 Target Date Fund–2020
1961 – 1965 Target Date Fund–2025
1966 – 1970 Target Date Fund–2030
1971 – 1975 Target Date Fund–2035
1976 – 1980 Target Date Fund–2040
1981 – 1985 Target Date Fund–2045
1986 – 1990 Target Date Fund–2050
1991 – 1995 Target Date Fund–2055
1996 – 2000 Target Date Fund–2060
2001 – 2005 Target Date Fund–2065

Please consider the fund’s investment objectives, risks, charges and expenses carefully before investing. The Fund Fact Sheets contain this and other important information about the investment company. Fund Fact Sheets are available on the website or by calling 1-855-616-4776. Read the Fund Fact Sheets carefully before investing.

Target Date Funds invest in a wide variety of underlying funds to help reduce investment risk - you pay only the proportionate share of the expenses of those funds. 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.

Manage it for me

If you prefer to have a professional investment management firm actively managing your portfolio, you can elect to invest through Nationwide ProAccount®, a service that manages your portfolio based on your risk tolerance and age. While enrolled, your account is monitored and adjusted over time to keep you on track toward your retirement goals.

Nationwide ProAccount is a fee-based managed account service that creates and maintains a personalized retirement investment strategy. This service manages your account using the Savings Plus core investment funds lineup.

Fees associated with ProAccount are as follows:

The first ... $99,999.99 0.50% fee assessed
The next ... $150,000 0.45% fee assessed
The next ... $150,000 0.40%  fee assessed
The next ... $100,000 0.35%  fee assessed
Assets of ... $500,000 and above 0.30% fee assessed

Example: the fee assessed on an account with an average balance of $10,000 would be $50 per year or $12.50 charged on a quarterly basis.

To enroll in the Nationwide ProAccount Professional Management program, or obtain additional information, call our Solutions Center at (855) 616-4776.

Nationwide ProAccount will send you a personalized plan, help put your plan into action, and routinely monitor your account.

You can cancel anytime without penalty.

Investment advice for Nationwide ProAccount is provided to plan participants by Nationwide Investment Advisors, LLC (NIA), an SEC-registered investment adviser. NIA has hired Wilshire Associates Incorporated (“Wilshire”) as the Independent Financial Expert for Nationwide ProAccount. Wilshire® is a service mark of Wilshire Associates, Inc., which is not affiliated with NIA or any Nationwide affiliate. Nationwide representatives are Registered Representatives of Nationwide Investment Services Corporation, member FINRA. Nationwide Retirement Specialists cannot offer investment, tax or legal advice. You should consult your own counsel before making retirement plan decisions.

Do it myself

There are two ways you can build and manage a customized portfolio through an account with Savings Plus:

  • Select funds from the list of Savings Plus core investment funds.
  • Invest through the Schwab Personal Choice Retirement Account® (PCRA), a Self-Directed Brokerage Option.

The sections below give you more details about each of the options.

Help is available when you need it. Use our free My Investment Planner, offered through Wilshire, to create a more guided investment strategy. Once your strategy is in place, you can manage your account and implement or modify the recommendations provided. If you choose this investment method, remember to check in regularly with your Retirement Specialist to ensure your investing style is accurate and you are on track to reach your savings goals.

Savings Plus core investment funds

You can select funds from the list of Savings Plus core investment funds that cover a broad range of asset classes with different risk/reward potential.

Savings Plus offers a diverse line-up of investment choices from which you can build your own portfolio.

The table below identifies the investment options available to you. The funds are listed in order of their level of risk, with the most conservative listed first. Past performance does not indicate future performance. 

Schwab Personal Choice Retirement Account® (PCRA)/Self-Directed Brokerage Option

You can invest through the Schwab Personal Choice Retirement Account® (PCRA), a Self-Directed Brokerage Option. The PCRA provides greater flexibility by allowing you the freedom to select and manage your portfolio from a much larger array of investments that include mutual funds, individual stocks, bonds and a variety of other options. Additional transaction fees may apply. Contact Schwab for details regarding its PCRA Fee Schedule. You must maintain a minimum balance of $2,500, or 50% of your account, whichever is less, in the Savings Plus core investment funds.

If you have a Schwab account, just log in. If you want to enroll in the Schwab account, review and sign the Memorandum of Understanding and Limited Power of Attorney (LPOA), and mail these documents to Nationwide.

Review the Schwab Personal Choice Retirement Account (PCRA) overview for more details.

To learn more about the PCRA pricing information, review the PCRA Pricing Guide and PCRA Pricing Summary.

Keep in mind that investing involves market risk, including possible loss of principal.

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