Ready! Fire! Aim? 2018
The strongest plans should be designed for the edges as well as the middle.
More than a decade of research on retirement plan participant behavior continues to highlight important trends and implications for target date fund design.
About our research
A quantitative examination of actual saving and spending patterns drawn from more than 4,000 defined contribution plans with approximately 2 million participants.
TARGET DATE FUNDS: Target date funds are funds with the target date being the approximate date when investors plan to start withdrawing their money. Generally, the asset allocation of each fund will change on an annual basis with the asset allocation becoming more conservative as the fund nears the target retirement date. The principal value of the fund(s) is not guaranteed at any time, including at the target date.