The RetireFocus(funds) approach is simple. Choosing from eight diversified portfolios with target retirement dates ranging from 2015 to 2050 (in five-year increments), plan participants select the RetireFocus fund that most closely matches the year they plan to retire. This greatly eliminates one of the biggest concerns individuals have about investing for their retirement—knowing which investment alternatives are right for them. RetireFocus(funds) eliminate this concern and enable each investor to be properly diversified by selecting the fund that matches his or her retirement date. After that, investors can sit back and relax knowing that their 401(k) or other retirement savings are doing what they should be doing—working for them.
CHANGING ALLOCATIONS TO MEET CHANGING NEEDS
The RetireFocus(funds) are designed to maintain what history suggests should be an optimal structure of asset appreciation, income generation and capital preservation across the course of a participant’s life. Utilizing a robust, diversified selection of well-researched funds, RetireFocus(funds) are monitored, rebalanced and adjusted to deliver the appropriate combination of risk/return.*
*The asset allocation percentages are guidelines and not precise weightings. The fund team selects mutual funds within each asset class. The portfolio manager of each mutual fund may invest in assets outside of a mutual fund’s stated overall asset class, with the result that the overall composition of the underlying assets of the mutual funds as a group may differ from our target allocation. The fund team monitors the mutual funds to make sure the weighting stays within the funds’ outlined strategy.
An investment in Exchange Traded Funds is subject to risk. The value of an investment and the return on invested capital will fluctuate over time, and, when sold or redeemed, an investment may be worth less than its original cost. ETFs will fluctuate with changes in market conditions and may not be suitable for all investors. In many cases ETFs have lower expense ratios than comparable index funds. However, since ETFs trade like stocks, they may be subject to brokerage fees and trading spreads. ETFs do not necessarily trade at the net asset values of their underlying holdings, meaning an ETF could potentially trade above or below the value of the underlying portfolio.