Tips for Choosing my Investments - Achieve Montana

Investment Options

Investment
Options

Investment Options

Tips for Choosing my Investments

An important part of deciding which investment to choose is to understand your comfort level with risk. Risk is the measure of volatility in an investment’s performance. When you make an investment, there is potential that you will have gains or losses due to the rise and fall of the financial markets. If you invest in stocks, they tend to have a higher risk profile. While bonds – also called fixed income – tend to have a lower risk profile. And, capital (or cash) preservation investments tend to have the lowest risk profile. 

If the ups and downs that come from investing in stocks makes you uncomfortable, no matter how long your investment time horizon, then your risk tolerance is probably more conservative. Bonds and short-term investments may be better for you than stocks because they’re typically less volatile. For a more conservative investor, the risk of losing money outweighs the potential for higher returns.

If some market fluctuations are ok for you, then your risk tolerance is probably more moderate. A mix of stocks and bonds might be your best bet. 

If you won’t worry about the ups and downs that come from investing in the stock market, then your risk tolerance is probably more aggressive. The potential for higher returns outweighs the risk of losing money. A portfolio that holds more stocks than bonds could be okay for you.

Choose Your Investment Type

Once you’ve determined the level of risk that you are comfortable with and have chosen your investment type, it’s time to select your Achieve Montana investment options.

You can select as many Investment Options per Account as long as at least 5% of each contribution is allocated to each Investment Option. The easiest way to get started is to head to our pages that describe the Year of Enrollment Portfolios, the Asset Allocation Portfolios, and Individual Portfolios.

When you’re ready to open your account, the fastest way to do it is to enroll online.

Year of Enrollment Portfolios

A kind of “set it and forget it choice” – investments automatically become more conservative as your beneficiary gets closer to college age.

Asset Allocation Portfolios

The mix of investments in these options do not change over time so you may need to monitor these investments over time and reallocate funds to more conservative investment as you get closer to your beneficiary’s college enrollment.

Individual Portfolios

These Portfolio each invest in a single underlying investment – including an equity option from iShares, a fixed income option from Vanguard and a capital preservation option from New York Life.

Choose Your Investments

Once you’ve determined the level of risk that you are comfortable with and have chosen your investment type, it’s time to select your Achieve Montana investment options. 

You can select multiple investment options per account and the easiest way to get started is to head to our pages that describe the Year of Enrollment Portfolios, the Asset Allocation Portfolios, and Individual Portfolios

When you’re ready to open your account, the fastest way to do it is to enroll online.