How was your Target Date Series selected? Have you taken a critical look at it since it was installed? Many advisors and plan sponsors do not devote much time evaluating this major asset class. Consider...
The Center for Due Diligence reports that over 80% of contributions and 34% of plan assets are expected to be invested in Target Date Funds by 2019.
Extreme differences in down market returns among TDFs with the same retirement date can create significant risks for plan participants and plan fiduciaries.
The Department of Labor (DOL) published “Target Date Retirement Funds-Tips for ERISA Plan Fiduciaries” in 2013 over concerns that differences in Target Date Fund risk postures were not adequately being investigated by plan sponsors or their advisors.
Target Date Fund suitability begins with aligning a participant population’s need to take risk with its willingness to assume risk and then compares off-the-shelf and custom model options that match a plan’s “best fit” risk posture
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