Invest in your future
We want you to be able to make informed decisions regarding your retirement. The goal of investing is to put your money to work so it grows over time and helps you meet your future needs. Like most retirement programs, OregonSaves offers a range of funds, from conservative to aggressive. How you choose to invest will depend on your risk tolerance. Remember that when you make any investment, the value of your investments will vary with market conditions. You may wish to speak to a financial advisor for advice on how you should choose to invest.
Choose what’s best for you
When you enroll in OregonSaves, you have the option to stay invested in the standard, default investment option, or you can choose your own fund(s).
Your fund choices
Capital Preservation Fund
This option is intended to be a cash-like fund that seeks to help investors preserve the value of their savings by investing in money market securities. The OregonSaves Capital Preservation Fund is 100% invested in the State Street Liquid Reserves Fund (Ticker: SSIXX). All participants in OregonSaves will be enrolled automatically in the Capital Preservation Fund for 30 days, unless they have chosen otherwise.
Target Retirement Option
Each Target Retirement Date Option has a specific “target date” (e.g., 2035, 2045, 2055) and invests in a mix of stocks and bond funds based on how far away it is from its target date. Certain funds have been created to drive growth for younger investors who can take more risk and become more conservative over time to help investors preserve savings as the funds near their target dates. Target Retirement Date Options are available for savers of all ages, and are usually selected by picking the fund that is closest to the year you expect to retire.
Program participants who are enrolled using the standard savings choices will have their funds invested automatically (in the Capital Preservation Fund) until 30 days have passed after their initial contribution, or until they choose to invest in another fund. After 30 days, if they have not changed their investment strategy, their funds will be moved automatically to a Target Retirement Date Option based on their date of birth and expected retirement year.
The OregonSaves Target Retirement Date Option portfolios are 100% invested in State Street Retirement Funds. These funds invest in an assortment of stock and bond funds managed by State Street. The Target Retirement Date Options available include:
OregonSaves Target Retirement Option
State Street Target Retirement Fund
OregonSaves Target Retirement Option 2020
State Street Target Retirement Fund 2020
OregonSaves Target Retirement Option 2025
State Street Target Retirement Fund 2025
OregonSaves Target Retirement Option 2030
State Street Target Retirement Fund 2030
OregonSaves Target Retirement Option 2035
State Street Target Retirement Fund 2035
OregonSaves Target Retirement Option 2040
OregonSaves Target Retirement Option 2045
State Street Target Retirement Fund 2045
OregonSaves Target Retirement Option 2050
State Street Target Retirement Fund 2050
OregonSaves Target Retirement Option 2055
State Street Target Retirement Fund 2055
OregonSaves Target Retirement Option 2060
State Street Target Retirement Fund 2060
OregonSaves Target Retirement Option 2065
State Street Target Retirement Fund 2065
OregonSaves Target Retirement Option 2070
Money Market Option
This option is intended to be a cash-like fund that seeks to help investors preserve the value of their savings by investing in money market securities. The OregonSaves Money Market Option is 100% invested in the State Street Liquid Reserves Fund (Ticker: SSIXX).
S&P 500® Index Option
The OregonSaves S&P 500® Index Option seeks to match the potential growth of large companies in the U.S. stock market by investing in companies included in the S&P 500® Index. This option is 100% invested in the State Street Equity 500 Index Fund (SSSYX).
It’s important to know that all investing comes with some degree of risk. Nothing on this page should be construed as investment advice. If you need help, you should consider consulting with a qualified financial advisor before making a decision to invest in any fund.