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The top 10% of funds in each category receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars and the bottom 10% receive 1 star.(Each share class is counted as a fraction of one fund within this scale and rated separately, which may cause slight variations in the distribution percentages.) The Overall Morningstar Rating™ for a fund is derived from a weighted average of the performance figures associated with its three-, five- and ten-year (if applicable) Morningstar Rating™ metrics.For additional share class information, consult the prospectus.Average annual total returns illustrate the annual compounded returns that would have produced the cumulative total return if the fund's performance had remained constant throughout the period indicated.When interest rates rise, bond prices generally fall and increase when interest rates fall.Historically, small-cap stocks have been more volatile than the stocks of larger, more established companies.The actively managed funds that comprise One Choice Target Date Portfolios have long track records.
An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency.
This includes exposure to specialty assets with low correlation to the broad stock and bond markets.
While diversification does not insure against a loss, it may help reduce downside risk.
The portfolios' asset allocation glide path is designed to navigate the trade-off between market risk and the risk of running out of money in retirement.
The portfolios' broad asset class coverage expands the sources of return potential.