Target Date Fund Basics

Target Date Funds (TDFs) are designed to reduce equity exposure as the target date approaches, becoming more conservative as participants age.


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Time to cut the cord?

For an entire generation, the golden age of television was the 1950s.  Its effect on how Americans spent their leisure time was as culturally revolutionary as radio had been a generation earlier....Customer choice, as we now think of it, simply didn’t exist.   


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You cannot be Serie(ou)s!

One of the most decorated tennis players—tied for 14th on the all-time number of grand slams list—is John McEnroe. However, he is probably remembered by most for his frequent questioning of the chair umpire. His most memorable tirade in 1981 at Wimbledon was a quote that eventually provided the title for his memoir… “You cannot be serious!”


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ETFs in Target Date Funds

Exchange Traded Funds (ETFs) have become an increasingly popular investment vehicle in the industry for multiple reasons, some of which include costs and increased investment coverage (i.e. “Smart Beta” ETFs). There remains, however, a large corner of the market that has not seen ETF penetration and this is the defined contribution / 401k space.


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3Q TDF Industry Glide Path Changes

Target Date Funds (TDFs) have a pre-determined glide path which drives its asset allocation. While it does not happen frequently per se, this pre-determined path can be changed by the TDF issuer at any time. These adjustments can be smaller more fringe changes or more wholesale methodology changes.


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