Thursday, June 22, 2017

Understanding Your Investment Choices

Financial Resource Center
myMERS

Menu Summary (pdf)
Policy Statement (pdf)
Brief: Excessive Fund Choice Undermines Performance (pdf)

The MERS Investment Menu is simplified into three categories to help you find the investment mix that best meets your investment style. Choose the investment category that feels the most comfortable to you:

Note: This page applies to the Defined Contribution Plan, Hybrid Plan, and the 457 program. For the Health Care Savings Program click here.

 

 

         
  "Do it for me"
The Retirement Strategies are a simplified way to invest. These options are fully diversified, professionally managed, and automatically adjust over time as you get closer to retirement.
>> Click to learn more.
 
Video: Retirement Strategies Overview
(Runtime: 1:30)
Watch an overview of the MERS Retirement Strategies,
Click here.
         
  "Help me do it"
These Premium Select Options were actively chosen for you by MERS. Here you have access to pre-built portfolios that MERS helps you manage by monitoring the investment managers and rebalancing the portfolio quarterly. It also gives you access to selected funds to help you build your own portfolio.
>> Click to learn more.
   
         
 

"I'll do it myself"
The Self-Directed Brokerage Account gives you access to funds outside of MERS investment menu. The available investments under this window have not been reviewed by MERS. You are solely responsible for determining the appropriateness of the investment options.
>> Click to learn more.

   
         

 

 Brief: Excessive Fund Choice Undermines Performance

Investment Menu Oversight

The MERS Retirement Board and Office of Investments selects and monitors the investment choices that are available to you. They actively review the fund lineup, investment managers, and index funds available and make changes as needed, based on strict criteria.

The following are some examples of the criteria used to guide decisions:

  • Comparative risk ratio against peers and benchmarks
  • Comparative expense ratio against peers in its category
  • Consistent investment style
  • Stable investment management team
  • Material legal, regulatory, or reputation changes

How Does This Benefit You?

You receive an experienced team that oversees the investment choices available to you. They do the necessary research, due diligence and monitoring of the various managers of the funds – ensuring you have quality options available.

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Disclaimer
The information contained in this Web site is being made available as a public service. The information is not intended to constitute legal or investment advice, or to replace official versions of that information. Benefit Estimates or Service Credit Purchase estimates requested through this Web site are not official descriptions of any benefits, and do not represent a promise by MERS to provide any benefit(s) to any person(s). No one can detrimentally rely upon the information provided in, or requested through this Web site. MERS reserves the right to correct any errors, and presents this information without warranties, express or implied, regarding the information?s accuracy, timeliness or completeness. If you believe the information is inaccurate, out-of-date, or incomplete, or if you have problems accessing or reading the information, please call MERS at 800.767.MERS (6377).