Supplemental funds

Supplemental funds can help you fine-tune your portfolio with more specialized investments. They can be useful if you want to invest in a specific segment of the stock or bond markets.

Remember that it’s difficult to identify which market segments are likely to outperform others. So you may want to consider using this tier as a supplement to the broader investments in the core funds tier. Also keep in mind that funds in this tier may invest in some of the same companies as other funds in your plan, including funds in other tiers. Make sure to check each fund’s holdings if you'd prefer to avoid duplicate investments.

  Whenever you invest, there’s a chance you could lose the money.