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Many participants enjoy the diversity of investing in mutual funds in their retirement plans.

• The mutual funds chosen for your retirement savings plan provide the opportunity to focus on specific market segments - all of which offer varying degrees of risk and reward opportunities.
• By owning a combination of funds with different investment characteristics, you may be able to offset the poor performance of one asset class with another that is benefiting from an upward trend. However, diversification doesn't guarantee against loss.

Mutual funds offer diversification, professional management, relatively low investment minimums and fees, and a range of choices among different asset classes.

Owning mutual funds can reduce risk through diversification and professional management, and allow you to potentially invest in a broad range of asset classes – U.S. and non-U.S. stocks, bonds, and real estate – with smaller amounts of assets.