Investment switches do not happen in real time even if you make the change online. If you decide to change your current investment, your account balance will be valued based on the unit price for the day you request the change, which is typically known two business days later. Your online account shows an estimated balance based on the latest available unit price, which could be two days old, so your balance will always be different at the time your switch (or withdrawal) takes effect. The value of your holdings may have increased or decreased when the change is processed. This is something to be aware of and important to consider particularly during times of increased market volatility.

Remember, you can choose one (or more) of five investment options, each with a different mix of assets, or Super Steps where the mix of investments changes automatically based on your age. You can choose a different strategy for your current account balances and for future contributions (unless you select Super Steps where this doesn’t apply). Make sure you read this part of the form carefully and double check your choices before you submit the change online or send in the completed form.