Managed Accounts

Morningstar® Retirement Manager

It may not be rocket science. Or brain surgery. But that doesn’t mean retirement planning isn’t without its share of challenges. Between figuring out your asset allocation and rebalancing your portfolio, it’s enough to make anyone’s head spin. Fortunately, there is help. It’s called Morningstar® Retirement ManagerSM.

Morningstar Retirement Manager is available to you as part of Nevada Deferred Compensation’s (NDC) retirement plan. It’s a service designed to give you the power to make informed decisions about your employer’s retirement savings plan without having to have an advanced degree in micro-economics. While asset allocation and rebalancing are well-known investment strategies, neither strategy can assure nor guarantee better performance and cannot protect against loss in declining markets.

OPTION 1 - Managed Accounts (Managed by Morningstar): Managed Accounts (Managed by Morningstar) lets you hand the responsibility of managing your account over to the investment professionals at Morningstar Investment Management LLC. That means not only will you get personalized advice and guidance from some of the industry’s leading investment professionals, you’ll have a service that puts those recommendations into action for you.

You’ll benefit from ongoing monitoring of your investment selections and your portfolio will be automatically rebalanced when necessary. Of course, you’ll receive regular Retirement Updates so you’ll always have a clear view of what’s happening with your account. Managed by Morningstar is available for an additional fee of 0.50%.

OPTION 2 - Investment Advice (Managed by You): With this option, you manage your own retirement savings account based on expert advice and recommendations that you receive from Morningstar Investment Management LLC. You’ll get portfolio recommendations based on your unique goals, age, and situation; savings rate recommendations; and retirement planning resources to help you save for the future. But it’s up to you to implement the recommendations you receive, keep an eye on your account, and rebalance your portfolio when necessary. With a range of educational tools at your fingertips, this option may also help you become a more informed investor. There are no additional fees or costs associated with Investment Advice (Managed by You).

It’s easy to get started. Log onto your account, click Go to My Account and then Get Advice in the left navigation bar. It may help make saving for the future a lot less puzzling.

Morningstar Investment Management LLC and the Voya Financial family of companies are not affiliated with Nevada Deferred Compensation.

IMPORTANT: The projections or other information generated by Morningstar® Retirement ManagerSM regarding the likelihood of various retirement income and/or investment outcomes are hypothetical in nature, do not reflect actual results (including investment results) and are not guarantees of future results. Results may vary with each use and over time.

Annual Retirement Income Outlook considers such things as your asset mix and Morningstar Investment Management, LLC's own forecasts for return, risks and correlation for various asset classes. The Expected Retirement Income noted within the tool is the amount the simulation has determined as having a 90% probability of being achieved.

Annual Retirement Income Goal is calculated by taking 70% of your projected salary at retirement, expressed in today's dollars. Your projected salary at retirement is determined by a proprietary salary growth curve and your projected social security benefits. Morningstar Investment Management, LLC's salary growth curve assumes your salary will grow at rates that vary with your age. Projected social security benefit is based off of an algorithm supplied by the Social Security Administration.

Proposed Asset Mix is derived from various factors such as your years to retirement, your projected salary growth and results from an asset-liability analysis. The asset-liability analysis is an economic concept that is helpful in understanding your ability to withstand financial losses by incorporating a projected future stream of income into your current financial situation.

Morningstar® Retirement ManagerSM is offered by Morningstar, Inc. and is intended for citizens or legal residents of the United States or its territories. The investment advice delivered through Morningstar Retirement Manager is provided by Morningstar Investment Management LLC, a registered investment adviser and subsidiary of Morningstar, Inc.  Morningstar Investment Managements’ advisory service relates solely to the investment options offered under the plan. Retirement plan funding products offered through Voya Financial Partners, LLC (member SIPC) or other broker dealers with which it has selling agreements. Voya Financial provides Morningstar Investment Management with the plan’s investment options and information about participants but the decisions regarding the advice provided are made by Morningstar Investment Management. Voya and its companies are not affiliated with Morningstar Investment Management, LLC or its affiliates, and receive no fee or other direct financial benefits from Morningstar Investment Management in connection with the use of its services. The Morningstar name and logo are registered marks of Morningstar, Inc.