Whether you are just starting to invest in your future or already participate in a retirement plan, setting up your own plan allocations involves some important decisions.

If you like to keep things simple and would feel most comfortable knowing your retirement savings are invested with an eye toward your risk tolerance and retirement time horizon, consider funneling all of your plan contributions toward a CalSTRS Pension2^® Easy Choice Portfolio. Using a variety of CalSTRS-recommended funds and annuities, each focusing on a particular asset class or investing style, this One Decision Strategy enables you to create a retirement portfolio whose underlying investments strike a risk/reward balance that makes sense for you.

If you prefer to develop your own portfolio by choosing among investment options in different asset classes to match your time horizon and risk tolerance, you may want to Build Your Own Portfolio.