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What Are Target-Date Funds?
Target-date funds automatically adjust to participants’ changing needs over time, and appeal to participants with very different investing attitudes. We support them with an award-winning communications approach.* A fund’s target date is the approximate year you expect to retire and start withdrawing from your account. Funds furthest from their target dates are nearly all equity to emphasize growth potential; their asset mix grows more conservative as investors move toward—and into—retirement. Investments in target-date funds are not guaranteed against loss of principal—your account value may be more or less than the amount you invested—including at the time of the fund’s target date. Investing in target-date funds does not guarantee sufficient retirement income.
*2007 and 2008 Pension & Investments annual communications award for plan sponsors and providers