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The Annuity Plan is designed to provide you with retirement income. The value of your account builds throughout your working years, and how much it grows is influenced by the investment choices you make.

You choose how your account is invested among the different investment options offered through the Annuity Plan. When deciding the investment mix that is best for you, you’ll want to consider your time horizon, the risks and returns of the available investment options and your level of comfort with investment risk.

The information in this section introduces some investment topics you should know. It’s always a good idea to consult with a professional investment advisor before making any decisions.

Nothing in this section or this SPD is meant to provide investment or retirement advice. You should seek the counsel of professional advisors before making investment or retirement decisions or plans.

Time Horizon

To determine your time horizon, subtract your current age from the age at which you plan to retire.