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Whether you're a do-it-yourself investor or want professional guidance, the SFDCP has options to create the right strategy for you.

Do It with Help

If you are too busy to manage your portfolio or would like help, the SFDCP offers you two ways to make investing easier: Target Date Funds and GoalMaker®. Click here to learn more or see below.

Target Date Funds

Each SFDCP Target Date Fund is a diversified portfolio of underlying investments whose stock/bond mix “targets” a particular time frame. By choosing a Target Date Fund, you benefit from age-based diversification in a single option. If you do not choose your own investments for your SFDCP account, your contributions will automatically be invested in the corresponding Target Date Fund based on your birth year, age, and projected retirement date at age 65. You may change your Plan investments at any time. Review investment performance for all the SFDCP funds.

For help, review Fund Fact Sheet User Guide.

Please see important information.

GoalMaker: Automatic Investing

No time foror interest inchoosing and managing your investments? Consider GoalMaker®. At no extra cost, this optional asset allocation program matches you with a professionally designed model portfolio of SFDCP core investment options based on your “investor style” (risk tolerance) and expected years to retirement.

When you sign up, GoalMaker automatically:

  • Rebalances your current holdings and redirects new contributions to your target mix.
  • Rebalances your account quarterly to help you stay on target.

Also, if you choose the optional Age Adjustment feature, your portfolio will grow more conservative as you get closer to retirement. Remember, regardless of the investments you choose you should continue to monitor your portfolio at least annually to ensure it continues to meet your investment objectives.

To sign up for GoalMaker log in to your account, select GoalMaker in the “Go to...” menu and follow the directions. Learn more.

Please see important information.

Do It Yourself

You have the freedom to choose your own investments and create a personalized portfolio from the Plan's Target Date Funds as well as the core investment menu listed below.

Core Investment Options

Click each fund name for details on strategy, holdings and performance. (You can also review investment performance for all the SFDCP funds.)

For help, review Fund Fact Sheet User Guide.

Please see important information.

Self-Directed Brokerage (SDB) Account

For participants looking for fund choices beyond the core investment options, the SFDCP offers a self-directed brokerage (SDB) account.  There’s a $5,000 minimum balance and other account fees—and as with any account, you’d be responsible for any fees charged by the investments you choose. If you’re interested or want more information, please contact an SFDCP Retirement Counselor or see more information below.

Please see important information.

Stable Value Portfolio Crediting Rate

The annualized crediting rate for the SFDCP Stable Value Fund is 2.55% for the  third quarter of 2019. Understanding Stable Value in the SFDCP.

Market Timing/Excessive-Trading Policy

To protect Plan participants from related disruptions to portfolio management and their potential costs, the SFDCP prohibits trades above $25,000 into and out of the same investment option within a rolling 30-day period. (Automatic or system-driven transactions, such as contributions or loan repayments by payroll deduction, “re-mapping” transactions, hardship withdrawals, regularly scheduled periodic distributions, and periodic rebalancing through a systematic rebalancing program not initiated by the Plan, are excluded from this policy.) Please see Market Timing/Excessive Trading Policy Administrative Guidelines for details.

Plan and Investment Fees

The SFDCP charges account fees to help cover costs of Plan administration and recordkeeping. These fees are deducted quarterly from your account balance and also may be deducted as part of the fees (“expense ratios”) charged by the Plan's investment providers to cover their funds' operating costs. Also, investors in the Self-Directed Brokerage Account may incur fees for the service as well as any participant who takes out a plan loan.

For more information, please see Understanding plan fees for the SFDCP.

Important Information

Keep in mind that application of asset allocation and diversification concepts does not assure a profit or protect against loss in a declining market.  It is possible to lose money by investing in securities.

Target Date Funds

The target date is the approximate date when investors plan to retire and may begin withdrawing their money. The asset allocation of the target date funds will become more conservative as the target date approaches by lessening your equity exposure and increasing your exposure in fixed income investments. The principal value of an investment in a target date fund is not guaranteed at any time, including the target date. There is no guarantee that the fund will provide adequate retirement income.

A target-date fund should not be selected solely based on age or retirement date. Before investing, participants should carefully consider the fund's investment objectives, risks, charges and expenses, as well as their age, anticipated retirement date, risk tolerance, other investments owned, and planned withdrawals.

The stated asset allocation may be subject to change. It is possible to lose money in a target date fund, including losses near and following retirement. Investments in the funds are not deposits or obligations of any bank and are not insured or guaranteed by any governmental agency or instrumentality.


Goalmaker's model allocations are based on generally accepted financial theories that take into account the historic returns of different asset classes. But, of course, past performance of any investment does not guarantee future results. Participants should consider their other assets, income and investments (e.g. equity in a home, social security benefits, individual retirement plan investments, etc.) in addition to their interest in the plan, to the extent those items are not taken into account in the model. Participants should also periodically reassess their goalmaker investments to make sure their model portfolio continues to correspond to their changing attitudes and retirement time horizon.

Morningstar Investment Management LLC is a registered investment advisor and wholly owned subsidiary of Morningstar, Inc. Morningstar Investment Management LLC provides consulting services to Prudential with respect to the GoalMaker model portfolios and in no way acts as an investment advisor to investors of Prudential’s products or services. The GoalMaker model portfolio allocations were developed by Morningstar Investment Management LLC within a set of guidelines determined by Prudential. The extent to which Morningstar Investment Management LLC recommendations are implemented within the models is at the sole discretion of Prudential. Morningstar Investment Management LLC is not affiliated with Prudential. The Morningstar name and logo are registered marks of Morningstar, Inc.

Self-Directed Brokerage Account

For mutual funds available through the Self-Directed Brokerage Account: You should consider the fund's investment objectives, risks, charges and expenses before investing. The prospectus and, if available, summary prospectus, contain complete information about the investment options available through your Plan. Please call 888-SFDCP-4U for a free prospectus and, if available, summary prospectus that contain this and other information about our mutual funds. You should read the prospectus and, if available, summary prospectus carefully before investing.

Self‐Directed Brokerage products and services are offered through Prudential Investment Management Services LLC (PIMS), Newark, NJ, a Prudential Financial company. Self‐Directed Brokerage Accounts are carried and maintained by National Financial Services LLC pursuant to a clearing agreement with PIMS.