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Using Participant Data to Improve Target Date Fund Allocations (PDF)
Center for Retirement Research at Boston College Link to more items from this source
Sept. 18, 2012

"Economic theory says that participants in 401(k) plans should gradually rebalance their portfolios away from stocks and toward less risky bonds as they approach retirement. Conventional target date funds attempt to do so by automatically rebalancing the household's portfolio periodically, but they take account of only one aspect of the individual: his expected retirement age. This paper investigates whether plan providers could improve on this 'one-size-fits-all' approach by making use of information that is known to the employer, namely each employee's income, 401(k) balance, and saving rate."

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