MONEY MARKETS
Lower risk
Lower potential return

When retirement is close by, look for less risk and more security. A conservative investment mix, often appropriate for someone with less than 10 years to retirement, makes sense.

Many people believe that because they want a secure retirement, they should put their money into investments with the lowest risk: conservative funds. Conservative funds such as money markets and Treasury Bills, are designed to keep the money you put into them (your principal) from swinging up or down in value.

Investments in a money market fund are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although money market funds seek to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in a money market fund.