Assumptions and forecasts used by SSgA FM
in developing the Fund's asset allocation glide path may not be
in line with
future capital market returns and participant savings activities, which could result
in losses near,
at or after the target
date year or could result
in the Fund not providing adequate income
at and through retirement.
In a qualified tax - deferred account such as an IRA or some college savings account, income and
capital gains are not taxed until you start taking withdrawals, presumably
at a
future date.