Selecting and Implementing a Target Date Fund - J.P. Morgan Asset Management
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Selecting and Implementing a Target Date Fund

A guide to help advisors and plan sponsors

Research that demonstrates the importance and benefit of target date funds
  • Participant Research provides insight into 401(k) plan participants’ attitudes and behaviors when it comes to saving and investing for retirement.

  • Plan Sponsor Research provides insight into plan sponsors’ interpretation of the roles of their DC plans and considerations driving plan-related decisions.

  • Choosing a target date strategy discusses considerations in selecting an off-the-shelf target date fund versus a recordkeeping platform model.

1 J.P. Morgan Plan Sponsor Research 2015
2J.P. Morgan Plan Participant Research 2016

Tools to help you evaluate and select target date funds with greater knowledge and confidenceSM

1 J.P. Morgan Plan Sponsor Research 2015

Insights that demonstrate the potential benefits of re-enrollment

2 J.P. Morgan Plan Participant Research 2016

3 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.

Resources to educate participants on SmartRetirementSM
  • SmartRetirementSM communications   easily and quickly help educate participants on the target date funds in which they may invest.

  • The communication series   includes a brochure, website, newsletter template and other resources.

2 J. P. Morgan Plan Participant Research 2016

 

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.

TDFs may suffer investment losses, including near and following retirement. There is no guarantee that a TDF will provide adequate retirement income.