AHRP Home Page > Retirement Plan Description > Making Your Investment Choices

The AHRP gives you the opportunity to put your money in a variety of investment choices (see below). You choose how all employer contributions and AHRP-TSA contributions to your account are invested. The investment choices are not insured by the Federal Deposit Insurance Corporation (FDIC) or by the Pension Benefit Guaranty Corporation (PBGC).

How do I make investment choices?

You can invest your money in one of two ways:

• Place all of your contributions into one of five lifestyle funds. Just choose the fund that matches the approximate year that you expect to retire, and investment professionals will manage the portfolio with your retirement date in mind. It makes investing easy if you're not sure how to invest or you don't want to monitor your account all the time.
   
• Create your own portfolio. AHRP offers many asset classes (or, types of funds) such as:
  • stable value fund
  • bond funds
  • and a variety of stock funds

There are conservative options (meaning lower risk and return) and aggressive options (meaning higher risk and return).

There are also socially responsible options within most of these asset classes. These funds exclude investing in companies involved in the alcohol, tobacco, pornography, and gambling industries among other restrictions.

To make investment elections or changes, access your account on this Web site or call the AHRP Retirement Center. If you do not make an investment election, your employer basic contributions will automatically be invested in the AHRP Capital Preservation Account.

Can I change my investment choices?

Yes. This may be done daily. You may change how future contributions ("new money") and earnings on those contributions are invested. You may also change how existing contributions ("old money") and earnings already in your account are invested. To change your investment elections or to transfer balances, access Your Account on this website or call the AHRP Retirement Center.

Read the AHRP newsletter (Future $umTimes), the performance information sheets on the investments, and your quarterly statements to know how your account is doing. You may also access your account through this Web site or call the AHRP Retirement Center to find the value of your account. (Future $umTimes is sent with your quarterly statement and includes the performance information available on this AHRP website.)

How do contributions get invested?

Your employer takes your AHRP-TSA contributions from your paycheck and sends them to the AHRP trustee.

Your employer also sends contribution data to the AHRP recordkeeper. The recordkeeper then instructs the trustee to make purchases in the investments you have chosen. (Remember--you decide which funds are right for you after reviewing the appropriate fund information.) The Plan actually owns the investments purchased, but your portion of those assets along with gains or losses is determined on a daily basis and recorded in your account. 

After the end of each year, your employer calculates the contribution to be made to your account for basic and matching amounts. That data is sent to the AHRP recordkeeper. The recordkeeper then instructs the trustee to invest money--placed on deposit by the employer for the year-end contributions--as you have chosen. Your employer contributions will normally be recorded on the first quarterly statement of the new year.