Drs investment program

Call a Retirement Specialist at to discuss your options. Plan 3 Retirement Savings Calculate the monthly savings you should be setting aside today to reach your retirement income goals. As long as you meet the age and service requirements of the plan age 55 or older with 10 or more years of service credit , you can delay receiving your retirement benefit and still be eligible for PEBB coverage.

DRS Investment Team (1)

Set up and manage direct deposit of your benefit payments from drs investment program online retirement account. If you prefer to fill out and mail in a printed form, select this link. If you need to update your name, fill out and send in a printed form as well as a copy of documentation showing the change. Members, you can update your beneficiary information from your online retirement account. This section takes a closer progtam at jnvestment with Plan 3 and compares these two programs. Outside of your contributions, investment performance is the primary drs investment program of changes in your Plan 3 account balance.

Long-term development

Set up and manage direct deposit of your benefit payments from your online retirement account. If you prefer to fill out and mail in a printed form, select this link. If you need to update your name, fill out and send in a printed form as well as a copy of documentation showing the change. Members, you can update your beneficiary information from your online retirement account. Outside of your contributions, investment performance is the primary cause of changes in your DCP account balance. DCP offers you two different approaches to investing and several different fund options. For all investments, past performance is no guarantee of future results.

knowledge sharing

Set up and manage direct deposit of your benefit payments from your online retirement account. If you prefer to fill out and mail in a printed form, select this link. If you need to update your name, fill out and send in a printed form as well as a copy of documentation showing the change. Members, you can update your beneficiary information from your online retirement account.

Outside of your contributions, investment performance is the primary cause of changes in your DCP account balance. DCP offers you two different approaches to investing and several different fund options.

For all investments, past performance is no guarantee of future results. Investments are always tied to some form of risk. DCP has a total of 20 investment options you can choose. Each of these investments falls into one of two main approaches: Build and Monitor or One-Step investing.

Before we look at the differences between these two approaches, drs investment program look at a few standard investment principals. As we mentioned before, past investment performance is no guarantee of future results.

So why do we share past performance if it can’t predict future returns? Viewing past performance can provide you with insight into how a particular investment works and can help you determine what is «normal» behavior for an investment. To see current performance for each option, review the Inveatment performance section. Let’s talk about risk. The growth of investments is always tied to some form of risk. Earnings do not always increase. Higher risk investments are designed to have the potential for higher earnings faster growthbut they also have a greater potential for a loss of principal.

Lower risk investments minimize risk, but this also comes at the cost of potential for faster growth. This is generally why younger investors will have higher risk investments where investors closer to retirement age select lower risk investments. The level of risk investmsnt choose is a personal decision. So now we’ve seen that with investments there is always some form of risk and that past performance is no guarantee of future results. But how do you choose an investment? Build and Monitor or One-Step Investing — might be right for you, ask yourself these questions:.

The One-Step Investing approach is made up of crs Retirement Strategy Funds, also called age-based or target date funds. Each one is diversified and automatically rebalances, adjusting your asset mix as you move toward a target date the date you intend to begin making withdrawals that meets your needs and lifestyle.

With the One-Step Investing approach, your Retirement Strategy portfolio is already well diversified and will automatically adjust as you move closer to your target date. With the Build and Monitor approach to investing, you can diversify programm allocating your contributions among the available funds. To help achieve long-term retirement security, your portfolio should include investments in several different objective categories. Spreading your assets among different types of investments might help you achieve a favorable rate of return, while minimizing your overall risk of losing money.

Market or other economic conditions that can cause one category of assets, or one particular investment, to perform very well can often cause another asset category, or another particular security, investmentt perform poorly. Although diversification is not a guarantee against loss, it is an effective strategy to help you manage investment risk.

For information on individual investing and diversification, visit the U. Department of Labor website. Many investment professionals suggest putting your entire account balance and all future contributions into one strategy fund. If your target date should change, you can always transfer your money to a Retirement Strategy Fund that more closely matches your revised date.

The Retirement Maturity Strategy Fund is allocated for investors who have been retired for 15 years or. While DRS and the DCP record keeper can provide you with information about investments, we cannot offer investment advice. If you are still not sure which investment approach may be right for you, talk with your financial advisor. To find out more about each fund, visit the investment sections Retirement Strategy Funds or Build and monitor investmennt and see each investment’s Fund Fact Sheet.

These fact sheets are progarm by the fund managers and contain information about pgogram, asset mixes and the goals of the fund. The table in this section includes performance for imvestment most recent quarter. As with all investments, past performance is no guarantee of future results. Online account: View the latest performance for all funds through your online account. This shows performance to the most recent month-end. Here you can also change investments quickly and easily pretty convenient.

Quarterly statement: Includes performance for the funds you currently invest in. Access this online in your DCP documents or check out your paper statement if you’ve opted for mail. Investment performance PDF: Updated monthly, this is a list of all funds and their performance out to 10 years. Investment performance is the return on an investment fund and is measured over a specific period.

DRS uses investment tables to help you compare the performance of all available investments at one time. Below each investment name, you will see an additional row that is labeled benchmark or index indented slightly. While they have different labels, these benchmark or index rows serve the same purpose—to help you compare an investment’s performance to the expectations set for it. Build and Monitor invesstment : Available funds include a bond fund, a short-term investment fund, a socially responsible fund and a series of index funds.

Index funds are based on publically traded funds. Retirement Strategy Funds : Also called age-based or target date funds, the risk-level of these funds is adjusted as you approach investmeent age reduced as you age. Retirement Strategy Funds are easy to spot because they have a year attached to the name, such as or This fund performance is measured using benchmarks. Unlike index funds, which have corresponding market index performance, Retirement Strategy Funds can be made up of multiple index measurements depending on the proportions of fund-types invested.

Each benchmark is unique to the fund it mirrors. While benchmarks and indexes are as close a comparison as you can have to your actual investment, the measurement tools do not include any fees associated with the funds.

However, fees are calculated into the investment performance numbers you receive. You cannot invest directly in a benchmark or index. Now you may be wondering: What do people actually do with this information? Why is investment performance a helpful tool? Three reasons: Past, present and future. Past : Past investment performance is no guarantee of future results. Present : How are your investments doing? Are they meeting their benchmark goals? How do they compare to other funds?

Use the tables to look at how your funds perform over time. Future : How close are you to retirement? When gathering information to make a decision, don’t rely on performance.

Be sure to consider investment fees when deciding whether to move your investments. Some investments have higher fees. In addition to fees, consider the risk level for the investment. In DRS performance and fee tables, investments are listed in order from lowest to highest risk. For specific information about a fund’s risk levels, view the fund fact sheet for that investment. While DRS and the record keeper can provide you with information about investments, we cannot offer investment advice.

If you are still not sure which investment approach might be right for you, talk with your financial advisor. Funds managed for you. Retirement Strategy Funds are also called target date, age-based and time horizon funds. Each of the 13 funds is designed to diversify and rebalance automatically, adjusting your asset prgram as you age toward the target date you will begin withdrawing funds.

A Retirement Strategy Fund will gradually shift its emphasis from more aggressive investments to more conservative progrwm based on its target date. To select the Retirement Strategy Fund that’s right for you, take the year you were born and add it to the age you expect to retire or withdraw your funds. The sum is your target date. However, if you’d rather, you can choose any of the Retirement Strategy Funds to invest in. Retirement Strategy Funds are valued daily.

Daily valuation means the fund values are adjusted daily to reflect the most current investment performance. This valuation enables you to have ready access to your funds. You can manage your investments and receive statements and payments investmetn quickly than the monthly-valued investments. These Retirement Strategy Funds each link to a fact sheet with more information about the fund. This information is prepared by AllianceBernstein L.

The Retirement Maturity Strategy Fund is for investors who have been retired for 15 prkgram or. Take the year you were born and add it to the age you expect to retire or withdraw your funds. Some DCP enrollment methods automatically default you into the Retirement Strategy Fund closest to the year you turn age These situations include automatic enrollment, using the DCP Quick Enrollment form or leaving the investment selection blank in the longer DCP enrollment form. Funds you manage .

DRS Investment — Investments & Acquisitions

Where can I go for help? If you retire early, your monthly benefit is reduced to reflect that you will receive it for a longer period of time. Through DRS online account access and through the Empower record keeper site. Payments are guaranteed by the state of Washington. Our goal Establishment of a software group with direct investments in Germany, Austria, Switzerland, Benelux and Nordics. Plan 3 Defined Contribution Disbursement Schedule Create an estimate of Plan 3 deferred compensation payments following separation from service that considers various payout options and assumed rates of investment return. Early retirement with a reduced benefit: Ages drs investment program to 64 with at least 10 years of service credit. View a summary of your total deposits and payroll contributions for the statement period. Investments are a big part of your plan. Set up and manage direct deposit of your benefit payments from your online retirement account. See how the value of each investment changed during the statement period due to your deposits, changes in value from market performance and other account activity. For more information about early retirement, see Thinking About Retiring Early? One plan, two drs investment program Defined benefit: The pension benefit funded by your employer.