Investment Options
NEST will be adding several quality fund families, along with modifying and updating the asset allocations of the existing Age-Based and Static Investment Options. In addition, the NEST Advisor Plan investment structure will be underpinned by quality fund families, including T. Rowe Price, DFA, Dodge & Cox, Fidelity, Vanguard, and others.
While NEST provides diversity and choice – many investors prefer the ease of the professionally managed Age-Based Investment Options. If working with your financial advisor you determine that you would like a more hands-on approach – NEST also offers Static and Individual Fund Investment Options.
Your NEST Advisor Plan will offer choice and diversity with the following investment line-up.
Age-Based Investment Options
Age-Based (Aggressive, Moderate, Conservative)
Stocks
Bonds
Cash
Aggressive
Stocks
Bonds
Cash
Moderate
Stocks
Bonds
Cash
Conservative
Static Investment Options
All Equity / Growth / Balanced / Conservative / Bank Savings
Stocks
Bonds
Cash
Individual Fund Investment Options
Money Market
Fixed Income
- Vanguard Short-Term Inflation-Protected Securities ETF 529
- Vanguard Short-Term Bond ETF 529
- Fidelity U.S. Bond Index 529
- PGIM Total Return Bond 529
- MetWest Total Return Bond 529
- DFA World ex U.S. Government Fixed Income 529
U.S. Equity
- American Funds The Income Fund of America® 529
- State Street Equity 500 Index 529
- Vanguard Total Stock Market ETF 529
- Dodge & Cox Stock 529
- SPDR S&P Dividend ETF 529
- T. Rowe Price Large-Cap Growth 529
- Vanguard Extended Market ETF 529
- Northern Small Cap Value 529
- Vanguard Explorer 529
Non-U.S. Equity
Real Estate
A Word About Risk: Keep in mind that you can lose money by investing in a portfolio. Each of the Age-Based, Static, and Individual Fund Portfolios involves investment risks, which are described in the underlying mutual fund prospectuses and the Program Disclosure Statement and should be considered before investing. For example, international investing, especially in emerging markets, has additional risks such as currency fluctuation, economic and political risks, and market volatility. Investing in small, medium, and international companies may increase the risk of fluctuations in the value of your investment and involves greater risks than investing in more established companies. Portfolios that invest in specific industries or sectors, such as real estate, have industry concentration risk. As an example, the portfolios that invest in real estate may perform poorly during a downturn in the real estate industry.
Portfolios that invest in bonds are subject to risks such as interest rate risk, credit risk, and inflation risk. In particular, as interest rates rise, the prices of bonds will generally fall, which can impact performance. It is important to note that the value of your account will fluctuate with market conditions. When you withdraw funds, you may have more or less than your actual investment. For more information on the portfolios and the underlying funds in which they invest, see the underlying mutual fund prospectuses and Program Disclosure Statement.
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