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Don’t have the time or inclination to choose your US Airways 401(k) Savings Plan investments? Consider a target-date fund, such as the Pyramis Active Lifecycle Commingled Pool Portfolios. These professionally managed funds automatically adjust the mix of stocks, bonds and cash they hold over time as the target retirement date approaches

These funds are subject to the volatility of the financial markets in the U.S. and abroad and may be subject to the additional risks associated with investing in high yield, small cap and foreign securities

Assess Your Appetite for Risk

How much risk can you tolerate with your investments? Select the points that correspond to your answer to get a better idea of what type of investor you are.

Question Points
1. I Plan to retire in approximately:
4-6 years 1
7-10 years 2
11-15 years 3
15 years or more 4
2. My retirement plan balance is what percent of my total investable assets
(excluding my home):
More than 75% 1
50% or more, but less than 75% 2
25% or more, but less than 50% 3
Less than 25% 4
3. I have established an emergency fund:
No 1
Yes, but it is less than I’d like to have 2
Yes 3
4. Over the next five years, my expected future earnings will:
Decrease (due to retirement, part-time work, etc.) 1
Keep pace with inflation 2
Increase to stay ahead of inflation 3
Grow quickly and far outpace inflation 4
5. I have investements in individual stocks and stock mutual funds:
No, I’m uncomfortable with the risk 1
No, but I would be comfortable with the risk if I did 2
Yes, but I was uncomfortable with the risk 3
Yes, and I was comfortable with the risk 4
6. My feelings about retirement savings investments and risk are:
The value of my retirement savings will not go down 1
I want a retirement savings mix with some fluctuation and growth 2
I’m willing to take on more fluctuation for potential growth 3
I want my retirement savings to grow regardless of risk or fluctuation 4
Total:
0


If your total is:
Fewer than 11 Points
Low. You are a conservative investor. You may be an investor who wants to minimize fluctuations in market values with an income-oriented approach to investing.
 
Between 11 and 20 Points
Moderate. You are a moderate investor. This means you are willing to accept some risk in exchange for a potentially higher rate of return.
 
Between 21 and 24 Points
High. You are an aggressive investor. Since you have plenty of time and patience, you can put savings into investments where the risks may be higher but long-term returns are potentially the greatest.
This is only an illustrative example and just one way to help you estimate your risk tolerance. For specific investment advice about your personal situtation, you should consult a financial advisor.


Before investing in any mutual fund, please carefully consider the investment objectives, risks, charges and expenses. For this and other information, call or write Fidelity for a free prospectus. Read it carefully before you invest.

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