Which investments you choose will likely depend on two things: your retirement timeline and your comfort level for given amounts of risk. When starting your saveday account, you will be asked to take a questionnaire to assess your personal preferences. For those looking to retire sooner, a less risky portfolio will likely be the best option. If planning to retire later, more risk may be appropriate. Portfolio design is based on the Nobel Prize-Winning investment strategy called “Modern Portfolio Theory”. You are always in control of your portfolio options- you may switch at any time.