Investing Spotlight: Model Portfolio Funds and Milestone Funds

It’s always important to match your investments with your time horizon and your risk tolerance, and to monitor your portfolio to make sure your investments are still appropriate for your goals. But it can be difficult to do that on your own, especially during volatile times. If you’d like additional help picking funds that match your investing goals, you may want to consider ICMA-RC’s Milestone Funds or Model Portfolio Funds¹, where our investment professionals make portfolio allocation and rebalancing decisions.

The Milestone Funds are target-date funds invested in underlying Vantagepoint Funds based on your time horizon. You pick a Milestone Fund based on the date you plan to start withdrawing money in retirement. As your retirement date gets closer, our investment professionals gradually shift more of the money into historically less-risky, fixed-income investments.

The Model Portfolio Funds invest in underlying Vantagepoint Funds and are based on different levels of risk and reward. The most conservative is the Model Portfolio Savings Oriented Fund, which seeks to invest 25 percent of its assets in equity funds, 65 percent of its assets in fixed-income funds, and 10 percent of its assets in multi-strategy funds. The Model Portfolio All-Equity Growth Fund, the most aggressive, is invested 100 percent in a diversified portfolio of equity funds.

Investment professionals monitor the funds and their holdings and rebalance your investments, when necessary or scheduled, to seek to assist you in meeting your savings goals. It’s one less thing for you to worry about.

To learn more about these funds, see the Our Funds section of our Web site, or for in-depth questions you may contact your ICMA-RC Retirement Plans Specialists. And you can always call ICMA-RC’s Investor Services at 800-669-7400 for additional information.

¹Please be advised that with "Fund of Funds" arrangements, additional underlying fund fees will apply. Please consult the prospectus for details.

Please read both the current applicable prospectus and MAKING SOUND INVESTMENT DECISIONS: A Retirement Investment Guide carefully for a complete summary of all fees, expenses, charges, financial highlights, investment objectives, risks and performance information. Investing in mutual funds and other investment vehicles involves risk, including possible loss of the amount invested. Investors should carefully consider the Fund's investment objectives, risks, charges and expenses before investing or sending money. The prospectus contains this and other information about the investment company. All Vantagepoint Funds invested through 401 or 457 plans are held through VantageTrust. The Vantagepoint Funds are distributed by ICMA-RC Services LLC, a wholly owned broker-dealer subsidiary of ICMA-RC and member FINRA/SIPC. For a current prospectus, contact ICMA-RC Services, LLC.