Automatically adjusting risk over time
Our target date funds are designed as a “single-investment” solution to help participants save for their retirement. Because participants choose a fund based on the year they expect to retire, the fund automatically adjusts for risk and becomes more conservative over time.
Some firms limit you to choosing from their in-house investment options. We bring together an array of strategies managed by top investment managers to give you greater choice based on your plan’s needs.
Select a career stage
Learn more about considerations we make at each stage of your employees’ careers – from capitalizing on compound interest to strategically adjusting exposure to risk.
With retirement a long way off, your employees are just starting out in their savings journey. For this stage, the GlidePath Funds focus on growth assets because your employees have a long time horizon. The earlier they start investing, the more they’ll save.
During this stage, many employees are at their peak earnings level and have more meaningful assets. While they're not near retirement, they're getting closer and are likely contributing the maximum allowable amount to their retirement plan. Our GlidePath Funds for this stage start to reduce the risk in their portfolio while still bolstering the growth they need.
As your employees near retirement, they become more focused on their portfolio balance. Our GlidePath Funds help them lower portfolio risk by shifting slowly into more income-generating asset classes, while still being mindful of the growth they will need in retirement.
Our GlidePath Funds are designed to take employees from the beginning of their careers (when they first start saving) all the way through their retirement years.