Invest in your future
Make informed decisions about your retirement
Your investment choices
Investing is about putting your money to work so it grows over time and helps you meet your future needs. With MyCTSavings, you have access to a range of investment portfolios, allowing you to invest your contributions based on your retirement goals.
An investment portfolio is simply a compilation of different investments, typically made up of stocks, bonds, and/or cash equivalents. How you choose to invest will depend on your appetite for risk. The portfolio descriptions below can also give you a sense of what each investment option can offer. Before making any investment decisions, consider speaking with a financial advisor.
Choose what’s best for you
When you enroll in MyCTSavings, you have the option to stay invested in the standard, default investment option, or you can choose your own fund(s).
Your portfolio choices
Target Retirement Date Portfolio
Each Target Retirement Portfolio has a specific “target date” (e.g., 2035, 2045, 2055) and invests in a mix of stocks and bond funds based on how far away it is from its target date. Certain portfolios have been created to drive growth for younger investors who can take more risk and become more conservative over time to help investors preserve savings as the funds near their target dates. Target Retirement Portfolios are available for savers of all ages and are usually selected by picking the portfolio that is closest to the year you expect to retire.
Program participants who are enrolled using the default savings choices will be invested automatically in a money market fund until 60 days have passed after their initial contribution, or until they choose to invest in another portfolio. After 60 days, if they have not changed their investment strategy and chosen a different investment portfolio, their funds will be exchanged automatically to a default Target Retirement Date Portfolio based on their date of birth and expected retirement year.
The MyCTSavings Target Retirement Date Portfolios invest in an assortment of stock and bond funds managed by Lockwood Advisors, Inc. These all-in-one options offer diversified portfolios that move to more conservative investments automatically as the beneficiary approaches and moves past the targeted year of retirement.
| 2070 | 2065 | 2060 | 2055 | 2050 | 2045 | 2040 | 2035 | 2030 | 2025 | Target Retirement Date | |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Fidelity® Total Market Index Fund FSKAX |
30% | 30% | 30% | 30% | 30% | 30% | 30% | 30% | 29% | 23% | 23% |
|
Schwab Total Stock Market Index Fund® SWTSX |
29% | 29% | 27% | 22% | 17% | 15% | 10% | 5% | 0% | 0% | 0% |
|
Fidelity® International Index Fund FSPSX |
22% | 22% | 22% | 20% | 18% | 16% | 14% | 12% | 10% | 8% | 8% |
|
Fidelity® Emerging Markets Index Fund FPADX |
9% | 9% | 9% | 9% | 8% | 7% | 7% | 6% | 5% | 4% | 4% |
|
Fidelity® U.S. Bond Index Fund FXNAX |
0% | 0% | 0% | 2% | 6% | 8% | 12% | 16% | 20% | 30% | 30% |
|
Schwab U.S. Aggregate Bond Index Fund SWAGX |
0% | 0% | 0% | 2% | 5% | 8% | 11% | 16% | 20% | 20% | 20% |
|
Fidelity® Long-Term Treasury Bond Index Fund FNBGX |
7% | 7% | 9% | 12% | 13% | 13% | 12% | 10% | 9% | 7% | 7% |
|
Schwab Treasury Inflation Protected Securities Index Fund SWRSX |
0% | 0% | 0% | 0% | 0% | 0% | 1% | 2% | 4% | 5% | 5% |
|
Vanguard Emerging Markets Bond Fund Admiral Shares VEGBX |
1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% |
|
Vanguard High-Yield Corporate Fund VWEAX |
1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% |
|
Vanguard Cash Reserves Federal Money Market Fund VMRXX |
1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% |
Please note that the allocations of the underlying funds in these portfolios are normally rebalanced on a quarterly basis.
Static Portfolios
Unlike the Target Retirement Date Portfolios, Static Portfolios are not reallocated automatically to more conservative investments as you approach retirement. Instead, Static Portfolio investments remain fixed. Static Portfolios are based upon your tolerance for risk and remain fixed in the same stock and bond funds without changing over time.
Please note that the allocations of the underlying funds in these portfolios are normally rebalanced on a quarterly basis.
Cash Preservation Portfolio
The MyCTSavings Cash Preservation Portfolio is intended to be a cash-like fund that seeks to help you preserve the value of your savings by investing in money market securities to provide maximum safety and liquidity, and to provide a low rate of return consistent with limited risk by investing in money market securities.
Fund Name | Ticker | Allocation |
|---|---|---|
Vanguard Cash Reserve Federal Money Market Fund | 100% |
Income Portfolio
This portfolio seeks to help investors preserve the value of their savings, while also providing income, by investing in a portfolio of mutual funds intended to produce an overall investment exposure of approximately 80% bonds and 20% money market securities. This portfolio is designed for investors with a very low tolerance for short-term market fluctuations who want low risk to principal and have a high desire for current income with limited capital appreciation.
Fund Name | Ticker | Allocation |
|---|---|---|
Fidelity® U.S. Bond Index Fund | 30% | |
Schwab U.S. Aggregate Bond Index Fund | 30% | |
Fidelity® Long-Term Treasury Bond Index Fund | 5% | |
Schwab Treasury Inflation Protected Securities Index Fund | 3% | |
Vanguard Emerging Markets Bond Fund Admiral Shares | 6% | |
Vanguard High-Yield Corporate Fund | 6% | |
Vanguard Cash Reserve Federal Money Market Fund | 20% |
Income and Growth Portfolio
This portfolio seeks to provide current income and some growth by investing in a portfolio of mutual funds intended to produce an overall investment exposure of approximately 40% stocks and 60% bonds. Overall, this fund offers a somewhat reduced level of risk and a more limited appreciation potential and is designed for investors with a shorter investment period.
Fund Name | Ticker | Allocation |
|---|---|---|
Fidelity® Total Market Index Fund | 26% | |
Fidelity® International Index Fund | 10% | |
Fidelity® Emerging Markets Index Fund | 4% | |
Fidelity U.S. Bond Index Fund | 30% | |
Schwab U.S. Aggregate Bond Index Fund | 15% | |
Fidelity® Long-Term Treasury Bond Index Fund | 10% | |
Schwab Treasury Inflation Protected Securities Index | 1% | |
Vanguard Emerging Markets Bond Fund Admiral Shares | 1% | |
Vanguard High-Yield Corporate Fund | 2% | |
Vanguard Cash Reserve Federal Money Market | 1% |
Balanced Portfolio
This portfolio seeks to provide a balanced mix of steady return and growth but comes with additional risk and invests in a portfolio of mutual funds intended to produce an overall investment exposure of approximately 50% stocks and 50% bonds. The portfolio is designed for investors with a modest tolerance for short-term market fluctuations and a desire for income and moderate capital appreciation.
Fund Name | Ticker | Allocation |
|---|---|---|
Fidelity® Total Market Index Fund | 30% | |
Schwab Total Stock Market Index Fund® | 3% | |
Fidelity® International Index Fund | 12% | |
Fidelity® Emerging Markets Index Fund | 5% | |
Fidelity U.S. Bond Index Fund | 30% | |
Schwab U.S. Aggregate Bond Index Fund | 4% | |
Fidelity® Long-Term Treasury Bond Index Fund | 12% | |
Schwab Treasury Inflation Protected Securities Index Fund | 1% | |
Vanguard Emerging Markets Bond Fund Admiral Shares | 1% | |
Vanguard High-Yield Corporate Fund | 1% | |
Vanguard Cash Reserve Federal Money Market Fund | 1% |
Conservative Growth Portfolio
This portfolio seeks to provide a combination of growth and current income by investing in a portfolio of mutual funds intended to produce an overall investment exposure of approximately 60% stocks and 40% bonds. Overall, there is a medium level of risk for a pursuit of investment return and is designed for investors with a medium or uncertain time horizon.
Fund Name | Ticker | Allocation |
|---|---|---|
Fidelity® Total Market Index Fund | 30% | |
Schwab Total Stock Market Index Fund® | 9% | |
Fidelity® International Index Fund | 15% | |
Fidelity® Emerging Markets Index Fund | 6% | |
Fidelity U.S. Bond Index Fund | 21% | |
Fidelity® Long-Term Treasury Bond Index Fund | 15% | |
Schwab Treasury Inflation Protected Securities Index Fund | 1% | |
Vanguard Emerging Markets Bond Fund Admiral Shares | 1% | |
Vanguard High-Yield Corporate Fund | 1% | |
Vanguard Cash Reserve Federal Money Market Fund | 1% |
Moderate Growth Portfolio
This portfolio seeks to provide the potential for asset growth by investing in a portfolio of mutual funds intended to produce an overall investment exposure of approximately 80% stocks and 20% bonds. Overall, there is a high level of risk and the potential for higher return. This option is designed for investors with a longer time horizon (10 years or more).
Fund Name | Ticker | Allocation |
|---|---|---|
Fidelity® Total Market Index Fund | 30% | |
Schwab Total Stock Market Index Fund® | 22% | |
Fidelity® International Index Fund FSPSX | 20% | |
Fidelity® Emerging Markets Index Fund | 8% | |
Fidelity U.S. Bond Index Fund | 5% | |
Fidelity® Long-Term Treasury Bond Index Fund | 11% | |
Schwab Treasury Inflation Protected Securities Index Fund | 1% | |
Vanguard Emerging Markets Bond Fund Admiral Shares | 1% | |
Vanguard High-Yield Corporate Fund | 1% | |
Vanguard Cash Reserve Federal Money Market Fund | 1% |
Growth Portfolio
This portfolio seeks to aggressively pursue growth opportunities by investing in a portfolio of mutual funds intended to produce an overall investment exposure of approximately 100% stocks. This portfolio is designed for investors with a longer time horizon (10 years or more) and will provide the highest level of risk and the potential for higher return out of the investment options.
Fund Name | Ticker | Allocation |
|---|---|---|
Fidelity® Total Market Index Fund | 32% | |
Schwab Total Stock Market Index Fund® | 32% | |
Fidelity® International Index Fund | 25% | |
Fidelity® Emerging Markets Index Fund | 10% | |
Vanguard Cash Reserve Federal Money Market Fund | 1% |
It’s important to know that all investing comes with some degree of risk. Nothing on this page should be construed as investment advice. If you need help, you should consider consulting with a qualified financial advisor before making a decision to invest in any portfolio.