LifeCycle Portfolios

The New Mexico Deferred Compensation Plan offers six LifeCycle Portfolios to choose from based on your retirement time line. Each portfolio is based on a target year that most closely matches the year you begin taking distributions. The portfolios consist of pre-mixed funds that aim to produce competitive returns over a set period of time.

Based on their individual risk tolerance and time horizon, investors choose the portfolio, or portfolios, that best suit their needs. Each of the LifeCycle portfolios are pre-mixed funds, investing in multiple asset classes. Each portfolio combines a blend of stock, bond and stable value investments seeking to produce competitive returns over a set period of time. The LifeCycle Portfolios may invest in several major asset classes – Stable Value, Bonds, US Large Cap Stocks, US Small/Mid Cap Stocks, International (non-US) Stocks, Global Real Estate and Balanced. The actual target allocations are noted on the front of this page. Investing in these Portfolios provides a diversified asset allocation strategy. On an annual basis, the target allocation for each LifeCycle Portfolio will systematically become more conservative (lower stock exposure) until the Portfolio’s allocation will eventually match the allocation and be merged into the Conservative Portfolio. The portfolios change their investment mix gradually becoming more conservative as they approach their target dates.

View LifeCycle Portfolios (PDF) to find out more about the actual target allocations for each portfolio.

The LifeCycle portfolios are comprised of underlying investment strategies available in the Plan on a stand alone basis. The Portfolios themselves are not registered investment options. The LifeCycle portfolios are administered by Nationwide® Retirement Solutions according to direction provided by the Board of the Public Employees Retirement Association of New Mexico based on advice from Mercer Investment Consulting, Inc. The information contained herein has been provided by Mercer Investment Consulting or the representative investment managers. Loss of principal can occur at any time, including before, at or after the target date. There is no guarantee that target date funds will provide enough income for retirement.

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