Virginia Retirement System
Different approaches

A one-step approach to investing

When you enroll, you can choose a single fund that’s designed to make investing easy.

Understanding the approach

One investment that adjusts over time

Early career

Early Career

Focused on growth.

Mostly stocks

Fewer bonds

Mid-career

Mid-Career

Balanced growth & preservation.

Similar mix of stocks & bonds

Retirement

Retirement

Focused on preservation.

Fewer stocks

Mostly bonds

Early career
Mid-career
Retirement
Explore options

Investigate available target date funds1

You can enroll now

Enroll or make changes in your plan(s) today

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1As with all mutual funds, the principal value in a target date fund is not guaranteed at anytime. Diversification cannot eliminate the risk of investment losses. Target date funds share the risks associated with the types of securities held by each of the underlying funds in which they invest. In addition to the fees and expenses associated with these funds, there is exposure to the fees and expenses associated with the underlying mutual funds as well. Also, the target date represents an approximate date when investors may plan to begin withdrawals. After the target date has been reached, some of these funds may be merged into a fund with a more stable asset allocation.

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