Retirement Strategy

SECTION 1: TIME HORIZON
I plan to withdraw my money in 3 years or less and do not want to lose any of it:
a	yes
b	no
If you answered “yes” to question 1, set your investment course with a Short Term strategy.
My current age is:
a	less than 40	5
b	between 40 and 54	3
c	over 54	1
I expect to retire:
a	Not for at least 20 years	5
b	In 5 to 20 years	3
c	Within 5 years	1
SECTION 2: RISK TOLERANCE
Long Term Goals
For this investment, my goal is:
a	To grow my assets aggressively	5
b	To grow my assets with caution	3
c	To avoid losing money	1
What would I expect from this investment over time?
a	To generally keep pace with the stock market	5
b	To make a decent profit, but probably trail the stock market	3
c	To have a high degree of stability, but only modest profits	1
Short Term Goals
Which of these statements would best describe your attitude about the performance of this investment over the next three years?
a	I can live if I lose money	5
b	I better at least break-even	3
c	I better at least break-even	1
Which of these statements would best describe your attitude about the performance of this investment over the next three months?
a	Who cares? One calendar quarter means nothing	5
b	If I suffered a loss of greater than 10%, I’d get concerned	3
c	I can tolerate only small short-term losses	1
Financial Situation
If I lost my job tomorrow, I would:
a	Have other sources of income to last me more than six months	5
b	Have enough cash on hand to last three to six months	3
c	Need to tap into my retirement plan within 30 days	1
Upon retirement my retirement plan will represent:
a	A minor part (less than 25%) of my retirement income	5
b	An important part (25%-75%) of my retirement income	3
c	The vast majority (over 75%) of my retirement income	1
SECTION 3: YOUR INVESTMENT STRATEGY
Add up your points from Questions 2-9.

Based on this “investment strategy”, you’re ready to consider how to divide your investments among the different asset classes. For sample allocation portfolios, log on to The Journey at www.massmutual.com/retire . From The Journey, you can also review all the investment options your plan offers within each asset class.

After you have determined your investment strategy, you can decide which of the asset classes you wish your future contributions and existing balance to be invested.

The “Moderate” portfolio is appropriate for an investor who wants to accumulate enough money to beat inflation but with moderate exposure to risk. The following example of a “moderate” investment strategy shows you that 40% of assets should be invested in the Short-Term Stable Value Guaranteed Fund. 60% of the assets would be diversified between the six (6) Funds listed:

MORNINGSTAR “MODERATE” CUSTOM PORTFOLIO ASSET ALLOCATION
Asset Class		Investment
Cash	40%	Short Term Stable Value	40%
SF Guaranteed	40%	Stock	60%
Large Cap Value	12%	MM Value Equity (Fidelity)	12%
Large Cap Core	13%	MM Indexed Equity	13%
Large Cap Growth	14%	Cap Appr (Oppenheimer)	14%
Small/Mid Cap Value	6%	MM Focused Val (Harris)	6%
Small/Mid Cap Growth	6%	Small/Mid Cap Growth	6%
International/Global	9%	MM Overseas (Am Cent/Harris)	9%

This asset mix can be implemented using the Custom Portfolio provided by MassMutual. MassMutual categorizes the investment line-up and allocates the specific percentage to Morningstar’s recommended asset mix.

We encourage you to take the time necessary to complete this quiz and allocate your assets according to your investment strategy and risk tolerance.

RETIREMENT FUND

Determine Your Investment Strategy