| All investments have some degree of risk. PSEG core
funds are managed by professional portfolio managers
who monitor and analyze the performance of the securities
they choose. With PCRA, you become an individual consumer
of stocks and bonds and you accept the risks associated
with those investment choices. |
| Are
you comfortable with the risk of managing a PCRA? |
Yes |
No |
|
"Don’t put all your eggs in one basket"
is a basic investment planning principle called diversification.
Although the core funds provide a range of conservative-to-aggressive
investment funds, you may want more choice. |
| Are
you looking for additional investment choices? |
Yes |
No |
|
With PCRA, you will need to manage your investment
expenses just as carefully as your returns. Schwab’s
standard commission schedule applies to funds
and securities purchased or sold through PCRA. And
you will be charged a $50 annual maintenance fee. |
| Are
you willing to pay additional fees for additional choice? |
Yes |
No |
|
PCRA, like any retirement investment, requires a
long-term commitment to build a nest egg. Frequent
purchases and sales may result in excessive transaction
costs. |
| Are
you investing for the long term? |
Yes |
No |
Schwab provides information
and resources to help you make more informed investment
decisions. But, ultimately, it's your responsibility
to manage your own investments, including planning a
strategy, doing research, picking investments, monitoring
your portfolio’s performance, evaluating progress, and
making adjustments.If you open a PCRA, you may contact
the PCRA Dedicated Service Line at Schwab (1-888-393-PCRA)
or visit Schwab online
for help in allocating your assets among broad investment
categories. |
| Are
you comfortable with the individual responsibility of
investing outside PSEG's core funds? |
Yes |
No |
|
|
