Sentences with phrase «nears the target retirement»

Generally, the asset allocation of each fund will change on an annual basis with the asset allocation becoming more conservative as the fund nears the target retirement date.

As you near your target retirement date the fund gets progressively more conservative by shifting the asset mix from stocks to bonds.

Not exact matches

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.

You also probably want to revisit that risk tolerance - allocation tool every couple of years, especially as you near retirement, to see whether your risk tolerance has changed and, if so, re-set your target stocks - bonds mix.

As a result of the S&P STRIDE Index Series methodology, the index weight of near - dated S&P STRIDE Indices are heavily allocated to a mix of U.S. TIPS matching the duration of retirement income for the respective target year.

Target date funds are designed to do just that — provide age - appropriate diversification and dial down risk as you near retirement.

By choosing a target - date fund with a date that corresponds to the year you expect to retire (2020, 2030, 2040, whatever), you get a mix of stock and bond funds appropriate for your current age that automatically becomes more conservative as you near retirement.

In my opinion, target date funds — those that simply match an allocation to your expected future retirement date, periodically reallocating the portfolio to become more conservative as you near retirement — are (much) better than nothing.

Target - date funds for investors in or near retirement are more exposed to bonds than they have been in years.

The practical implications of this risk / growth trade - off, particularly for investors nearing retirement target dates or in the years just after the retirement target date, become real with a sudden and significant drop in worldwide stock prices.

If that's too scary, or too much work, put your portfolio on autopilot with target date style retirement funds that automatically adjust as you near the big day.

Or, Scott recommends target - date funds, which have managers who shift your portfolio allocation over time from stocks to more conservative investments as you near retirement age.

The brokers were accused of specifically targeting Federal employees nearing retirement with sizable funds invested in the TSP.

Target - date funds are mutual funds that invest in a mix of stocks and bonds that is adjusted as you age, maximizing your chance for returns when young and reducing your risk of losses as you near retirement.

In addition, target - date funds (TDFs), which have become an increasingly popular DC plan QDIA in recent years, start out with greater equity holdings and then automatically reduce equity allocations as participants near retirement.