The Under 30s Life Stage Fund is the most aggressive NEAP investment portfolio. It has a higher portion of stock investments than the other funds. As a younger participant, you most likely will not retire for another 40 years. This means you can be a more aggressive investor since you have more time to recover when the market hits a soft period. On the upside, the rewards of more aggressive investing can be significant. To keep a balance in your Under 30s Life Stage Fund about 30 percent of your fund is composed of bonds and real estate, which are generally more stable investments and help balance the volatility associated with stock investments.