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Each plan carries a 1–10 risk score based on historical volatility of its underlying asset mix. Lower scores favor bonds and cash; higher scores favor concentrated equity exposure.
Estimated ROI ranges reflect a plan's historical and modeled performance band, net of typical market conditions. They are not projections and past results do not guarantee future performance.
Lock-in reflects the horizon a plan is designed around, or a contractual surrender schedule for annuity-backed products. Early withdrawal may carry fees; see each plan's detail page.