Your investment options

Investing can seem intimidating, but it doesn’t have to be. In fact, your deferred compensation plan offers two ways of creating a diversified investment portfolio.

Decide how to invest 

  1. Make an all-in-one choice. Ready to save in the plan, but don’t have the time or inclination to decide what direction to take your investments? Consider an all-in-one model to get started. Along the way, your portfolio will periodically rebalance to its target asset allocation.
  2. Manage it yourself.  When you are investing in the retirement plan, you can choose your investments from the plan’s lineup.
      

As your situation changes over time, your investing approach can change too. Once you decide on your approach, review your investment options.

Talk to a retirement consultant for education and assistance to help you make informed decisions.  

For detailed information about your investment choices, download your enrollment kit.

Ballad Health 403(b) Plan -  Enrollment Kit

Ballad Health 401(k) Plan -  Enrollment Kit

To get help determining the right investment mix for you, as well as types of investments you may want to include in your portfolio, take our brief review our Risk assessment questionnaire.

Still unsure? 

Ballad Health has chosen target-date funds, based on date of retirement, as the plan’s Qualified Default Investment Alternative (QDIA). The plan’s QDIA is the appropriate target-date fund, based on the year of normal retirement as determined by your Plan. Each fund contains a combination of bond-based and stock-based funds and targets a period that contains the year in which you attain normal retirement age. Please refer to your enrollment kit for more information on the  QDIA.

Mutual funds in the Lincoln Alliance® program are sold by prospectus. An investor should carefully consider the investment objectives, risks, and charges and expenses of the investment company before investing. The prospectus and, if available, the summary prospectus contain this and other important information and should be read carefully before investing or sending money. Investment values will fluctuate with changes in market conditions, so that upon withdrawal, your investment may be worth more or less than the amount originally invested. Prospectuses for any of the mutual funds in the Lincoln Alliance® program are available at 800‑234‑3500.

The Lincoln Alliance® program includes certain services provided by Lincoln Retirement Services Company, LLC and Lincoln Financial Group Trust Company, Inc. with wholesale marketing and distribution services provided by Lincoln Financial Distributors, Inc. (LFD), a wholesale broker-dealer (member FINRA). All entities listed are affiliates of Lincoln Financial Group, the marketing name for Lincoln National Corporation. Unaffiliated broker-dealers also may provide services to customers. Account values are subject to fluctuation, including loss of principal.

This material is provided by The Lincoln National Life Insurance Company, Fort Wayne, IN, and, in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY and their applicable affiliates (collectively referred to as “Lincoln”). This material is intended for general use with the public. Lincoln does not provide investment advice, and this material is not intended to provide investment advice. Lincoln has financial interests that are served by the sale of Lincoln programs, products and services.