(Re)Balancing Act

The new year is a great time to review your asset allocation mix and rebalance your portfolio.

Following the market highs and lows of 2020, the new year is a good time to consider rebalancing your portfolio. Rebalancing means adjusting your asset allocation mix to ensure it aligns with factors such as your age, risk tolerance, expected retirement date and overall long-term savings goals.

As you look to rebalance your portfolio, you may find you need to adjust your asset allocation percentages in certain areas that have either fallen below or risen above your desired target mix of investments.

To check your retirement savings account allocations, log in to My Account and select Investment Charts from the left menu, where you will see the following:

  • Current plan balance by Interest Account and investment options

  • Current plan balance by investment category

  • Allocations of future contributions by Interest Account and investment options

  • Allocations of future contributions by investment category

From there, you can re-align your portfolio by transferring assets between the Interest Account and investment options. You can change future contribution allocations by selecting either Transfer or Change Future Allocations from the Account Transactions section of the left menu.

To learn even more about maintaining your retirement portfolio allocation model, contact your local Mutual of America representative today.

You should consider the investment objectives, risks, and charges and expenses of the variable annuity contract and the underlying investment funds carefully before investing. This and other information is contained in the contract prospectus or brochure and underlying funds prospectuses and summary prospectuses, which can be obtained by calling 1-800-468-3785 or visiting mutualofamerica.com. Read them carefully before investing.

Mutual of America's group and individual retirement products are variable annuity contracts and are suitable for long-term investing, particularly for retirement savings. The value of a variable annuity contract will fluctuate depending on the performance of the Separate Account investment options you choose. Upon redemption, you could receive more or less than the principal amount invested. A variable annuity contract provides no additional tax-deferred treatment of benefits beyond the treatment provided to any qualified retirement plan or IRA by applicable tax law. You should consider a variable annuity contract's other features before making a decision.

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