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Policy Brief: Portfolio Theory, Life-Cycle Investing, and Retirement Income (PDF)
U.S. Social Security Administration [SSA] 
Nov. 4, 2007
6 pages. Excerpt: There has been much discussion recently about life-cycle funds and their role in providing a secure retirement income for older Americans. These funds, which gradually shift account assets from broad-based stock funds to bond funds as a participant ages, are becoming an important vehicle for retirement savings. This policy brief explores the economic rationale behind the life-cycle approach and the advantages and limitations of life-cycle funds.
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