Who might want to invest Might be an appropriate alternative for the more conservative investor or for those dollars you wish to protect against the market fluctuations that affect the other funds offered. Because Plan 3 only recovers costs to administer the program, we are able to keep the fees low. This is generally why younger investors will have higher risk investments where investors closer to retirement age select lower risk investments. Funds managed for you. Each Retirement Strategy Fund is a complete portfolio that automatically adjusts and rebalances as you move closer to your target date. The management fee varies by fund.