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823 Matching News Items

1.  Understanding Target Date Funds
The Wall Street Journal; subscription may be required Link to more items from this source
Oct. 31, 2013
"[W]hile target-date funds make investing easy for retirement plan participants, advisers and the employers sponsoring the plan need to understand that all target-date funds are not equal. As advisers, it's our responsibility to know what's under the hood and to make sure that the mix of investments in the fund is appropriate for both the employer offering the plan and its employees."
2.  Investment Company Institute Comment Letter to SEC on the Results of Investor Testing Regarding Target Date Funds in Connection with the Target Date Retirement Fund Names and Marketing Proposal (PDF)
Investment Company Institute [ICI] Link to more items from this source
May 24, 2012
"The Institute strongly supports the spirit and core of the Commission's Proposal that focuses on communicating key pieces of information about target date funds to investors and requires a prominent table, chart, or graph ('glide path illustration') to convey the idea of the changing asset allocation of the target date fund over the entire life of the fund, including at the target date and the point where the fund arrives at its final asset allocation. The Institute opposes, however, as unnecessary and potentially confusing to investors, a proposed requirement that a target date fund disclose, immediately adjacent to the first use of the fund's name, the fund's asset allocation at the target date ('tagline disclosure')."
3.  What If Target-Date Funds Used Different Glide Paths
Morningstar Link to more items from this source
Mar. 4, 2024
"Now that target-date funds have become the 401(k) option, they no longer need to justify their approaches. Everybody accepts their thesis that employees should invest heavily in stocks when they first begin working, then scale back over the years. The question is not why target-date funds use downward-sloping glide paths; it is why their potential rivals do otherwise."
4.  Target-Date Funds: Factors to Consider
U.S. News & World Report Link to more items from this source
Apr. 23, 2023
"[1] What are target-date funds? ... [2] Target-date funds are popular in employer plans.... [3] Target-date funds are misunderstood.... [4] 5 tripwires for a workplace retirement account.... [5] How longevity factors into TDF decisions."
5.  Real Facts About Target Date Funds in Response to ICI's Myths and Facts (PDF)
BrightScope Link to more items from this source
Feb. 10, 2010
9 pages. Excerpt: In January, the Investment Company Institute ... released a set of 6 'Myths' about Target Date Funds. The ICI list misrepresented many of the basic facts about target date funds and painted an overly rosy picture of the target date fund marketplace. This paper intends to set the facts straight. In so doing we received comments and thoughts from Joe Nagengast and Craig Isrealsen of Target Date Analytics and from Independent Fiduciary Matthew Hutcheson. This paper will look at how target date funds fit into America's retirement picture and address the 6 'Myths' identified by the ICI.
6.  How the Target Date Fund Landscape Is Evolving
Morningstar; free registration may be required Link to more items from this source
May 9, 2019
"Of the estimated net $55 billion investors placed in target-date mutual funds in 2018, $57 billion went to funds with expense ratios less than or equal to 0.20%.... Target-date fund series that held more than 80% of assets in index funds captured nearly all of the $55 billion estimated net flow to target-date mutual funds in 2018.... Assets in target-date CITs grew by approximately $30 billion to over $660 billion in 2018 when assets in target-date mutual funds declined to $1.09 trillion from $1.11 trillion."
7.  What Happens to Your Target Date Fund When You Retire?
Morningstar; free registration may be required Link to more items from this source
July 10, 2012
"Even investors who are clear on what target-date funds can and cannot do might be fuzzy on the logistics of how these funds work.... [D]ifferent target-date series take different tacks when funds reach their target dates. Some fund companies convert the assets to a retirement-income fund at the target year, while others do so years after the target date is reached. Still others maintain the assets in the original fund and keep the same name, even if the target date has passed."
8.  Are Target Date Funds Designed to Hit the Target? (PDF)
Drinker Biddle Link to more items from this source
May 25, 2010
Excerpt: Target date funds can be an effective investment tool when used properly. The problem is they are often offered by plan sponsors because they are approved by the DOL as a Qualified Default Investment Alternative (QDIA). Plan fiduciaries need to be aware of the various issues involved with offering all investment choices, including target date funds. A closer examination of some of the issues associated with target date funds will assist plan sponsors and fiduciaries in determining whether their 401(k) plans should offer target date funds, how they select these funds, and how they should educate their participants on these funds.
9.  Did Principal Overcharge for Target Date Funds?
Morningstar; free registration may be required Link to more items from this source
Sept. 24, 2013
"Principal's LifeTime target-date funds, as with most in the industry, are structured as funds of funds, meaning that each target-date fund holds various underlying funds.... However, Principal differs from many by farming out the management of the underlying funds to outside parties. Principal retains control at the top level of each target-date fund, determining the fund's asset allocation. It then hires managers to subadvise the underlying funds. For this service, Principal charges almost nothing.... Of course, that is not what really happens."
10.  Target Date Funds May Not Play Well with Others in Defined Contribution Plans
Morningstar Advisor Link to more items from this source
Sept. 5, 2019
"[Mixed target-date fund investors'] allocations are consistent with a retirement year that is 10 years later than their actual vintage.... [T]he average allocation of mixed target-date fund investors is 37% target-date funds, 49% equity funds, and 13% bond funds.... [M]ixed target-date fund investors' average level of sophistication appears to fall between that of default investors and that of self-directing investors."
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