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[Music] today were going to talk a little bit about some of the investment options you have within your defined benefit plan in reality defined benefit plans can invest in almost any type of asset class okay but there are a lot of restrictions and a lot of things that you want to be concerned with the most important rule that we would say is that you want to really limit your volatility in these plans you really dont want you know your assets going up 20 percent one year down 20 percent the next year defined benefit plans are going to have stated interest rate crediting rates in them typically its going to be five percent or some rather low rate so in theory you want to mimic that interest rate okay youre never going to get exactly five percent in fact if you get two percent or ten percent usually youre fine what you really dont want is the again the up twenty percent down twenty percent um thats really going to throw a lot of volatility in your plan and the reason is that with
