Schwab Target Date Funds. So you can enjoy today We help you invest for your future
|
|
- Kelley Arnold
- 6 years ago
- Views:
Transcription
1 Schwab Target Date Funds So you can enjoy today We help you invest for your future
2 Schwab Target Date Funds All-in-one portfolio solution. More time for you. Schwab Target Date Funds are diversified mutual funds, managed according to a projected retirement date. Portfolio managers rebalance the funds to make them more conservative over time. This offers a wide range of advantages: Reduces common investing mistakes such as lack of diversification and failing to rebalance your portfolio. Frees your time to do more of what you love, without worrying about your fund allocation. Gives you the confidence of knowing the fund s asset allocation is professionally managed. Provides portfolio diversification to help balance risk and return. 2 Schwab Target Date Funds
3 Managed for a lifetime Target date funds are built with the expectation that you will start gradual withdrawals of fund assets on your target date, or within a designated date range, to begin covering retirement expenses. Your target date usually corresponds with a planned retirement at age 65. Schwab Target Date Funds are also designed to help properly allocate your investments through your retirement date and beyond. Schwab Target Date Funds 3
4 How do they work? Each fund will automatically become more conservative over time. Target Date 2060 Target Date 2055 Target Date 2050 Target Date 2045 Target Date 2040 Target Date 2035 Target Date 2030 Target Date 2025 Target Date 2020 Target Date 2015 Target Date 2010 Current Age Accumulating for retirement... own more stocks At or near retirement... own more bonds, cash and cash equivalents Earlier in your life, the Funds will own more stocks later in life, the Funds will gradually own more bonds, cash and cash equivalents. 4 Schwab Target Date Funds
5 Balance. The key to your future. Target date funds are designed to help you avoid one of the most common investing pitfalls failing to adjust your portfolio for your changing financial needs over time. With Schwab Target Date Funds, portfolio managers reallocate the Fund s investment along what is called a glide path, from more aggressive to more conservative as the target date approaches and beyond, helping to reduce risk and prepare you for retirement. Years away Higher investment in equity for more growth potential Getting closer Move assets to more fixed income investments and cash and cash equivalents (including money market funds) for increased stability and income in retirement At retirement Approximate allocation of 40% equity, 60% fixed income ( including cash & cash equivalents) In retirement Continued conservative approach, with heavy fixed income investment and less equity exposure to manage risk but provide some opportunity for growth 20 years later The Fund will reach its most conservative allocation of approximately 25% equity, 75% fixed income ( including cash & cash equivalents) Your Fund s portfolio: Equity A wide selection of domestic and foreign equity funds that delivers broad diversification across market capitalization, investment styles, and geographical regions Fixed income Domestic and international fixed income funds, for higher income and principal stability relative to equities Cash and cash equivalents Designed to offer current income consistent with stability of principal and liquidity Equity 1 Fixed Income (including Cash and Cash Equivalents) 2 100% 90% 80% 70% Allocation 60% 50% 40% 30% 20% 10% Starting Allocation 95% Equity (Stocks) 5% Fixed Income (including Cash & Cash Equivalents) Target Date 40% Equity (Stocks) 60% Fixed Income (including Cash & Cash Equivalents) Final Allocation 25% Equity (Stocks) 75% Fixed Income (including Cash & Cash Equivalents) 0% T Years Before Target Date TARGET Years After Target Date ACCUMULATING FOR RETIREMENT NEAR RETIREMENT DATE IN RETIREMENT The values of the funds will fluctuate up to and after the target dates. There is no guarantee the funds will provide adequate income at or through retirement. 1 Equity includes Domestic Equity, International Equity, and Global Real Estate. 2 Fixed Income includes Intermediate-Term Bond, Inflation-Protected Bond, International Bond, Cash Equivalents and Short-Term Bond. Schwab Target Date Funds 5
6 Careful selection and unique diversification In addition to rebalancing the Fund s investment, portfolio managers maintain fund diversity to balance risk and return. Your contribution is invested in a selection of underlying funds, diversified by asset class, market capitalization, and global region. A range of strategies provides both diversification and sophistication. Schwab Target Date Funds Offer: Diversification all-in-one mix of investments Good value competitive pricing Rebalancing the fund does the work for you Low or no minimums Schwab Target Index Funds Primarily passive investments Low cost Composed of indexbased Schwab ETFs No investment minimum Schwab Target Funds: Passive and active investments Competitively priced Composed of funds from Schwab and third parties $100 minimum investment 6 Schwab Target Date Funds
7 Hitting the target. The right fund for you. Consider investing in the fund closest to your retirement date, and ensure that the asset allocation matches your risk tolerance, personal circumstances, and complete financial situation. It s always important to remain aware of your allocation and check in regularly so you can make updates as your circumstances change. Birth date range Prior to 1948 This fund may be right for you Target 2010 Fund Target 2015 Fund Target 2020 Fund Target 2025 Fund Target 2030 Fund Target 2035 Fund Target 2040 Fund Target 2045 Fund Target 2050 Fund Target 2055 Fund 1993 & after Target 2060 Fund Asset allocations are for illustrative purposes only and subject to change. Actual allocation can vary. Please see the prospectus for the most current allocation. Schwab Target Funds 7
8 Getting started with a Target Date Fund. Get your retirement plan on target today with a Schwab Target Date Fund. Contact us Place your order or learn more about Schwab Target Date Funds: Call Visit schwabfunds.com Investors should carefully consider information contained in the prospectus, or, if available, the summary prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus by calling Schwab at Please read the prospectus carefully before investing. The funds are built for investors who expect to start gradual withdrawals of fund assets on the target date, to begin covering expenses in retirement. The principal value of the funds is not guaranteed at any time, and will continue to fluctuate up to and after the target date. Target date fund asset allocations are subject to change over time in accordance with each fund s prospectus. The advisor reserves the right to modify the glide path from time to time should circumstances warrant. The funds are subject to market volatility and risks associated with the underlying investments. Risks include exposure to international and emerging markets, small company and sector equity securities, and fixed income securities subject to changes in inflation, market valuations, liquidity, prepayments, and early redemption. This information is not intended to be a substitute for specific investment planning advice. If specific advice is necessary or appropriate, Schwab recommends consultation with a qualified investment or tax professional. Diversification strategies do not ensure a profit and do not protect against losses in declining markets. Charles Schwab Investment Management, Inc. (CSIM), the investment advisor for Schwab Funds, and Charles Schwab & Co., Inc. (Schwab), Member SIPC, the distributor for Schwab Funds, are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Brokerage Products: Not FDIC-Insured No Bank Guarantee May Lose Value 2018 Charles Schwab Investment Management, Inc. All rights reserved. REF ( W) MKT (01/18)
Investment solutions designed exclusively for qualified retirement plans
Investment solutions designed exclusively for qualified retirement plans For nearly 20 years, Charles Schwab Bank has been an innovator in creating investment solutions for qualified retirement plans.
More informationPrincipal LifeTime portfolios. Investment options that strive to keep pace with life
LifeTime portfolios Investment options that strive to keep pace with life Most of us need a little help when it comes to saving for retirement. If you re like many, you may not have the time or interest
More informationJune Target date funds: Why the to vs. through analysis falls short and what you should be considering
June 2018 Target date funds: Why the to vs. through analysis falls short and what you should be considering Executive Summary Jake Gilliam Head Client Portfolio Strategist, Multi-Asset Strategies, Charles
More informationFebruary 28, 2018 Schwab Target Funds Underlying Emerging Markets Strategy Addition
February 28, 208 Schwab Target Funds Underlying Emerging Markets Strategy Addition Charles Schwab Investment Management, Inc. Adds Emerging Markets Strategy Charles Schwab Investment Management (CSIM)
More informationCharles Schwab Bank Collective Trust Funds CUSIP Details
Charles Schwab Bank Collective Trust s Details Schwab Indexed Retirement Trust s Schwab Indexed Retirement Trust 2010 I 808518583 Schwab Indexed Retirement Trust 2015 I 808518575 Schwab Indexed Retirement
More informationSchwab Indexed Retirement Trust Fund 2040
Fund Facts Trustee Fund Type Charles Schwab Bank Collective Trust Fund Category Target Date 2036-2040 Benchmark 2040 Custom Index 1 Unit Class Inception Date Fund Inception Date 1/5/2009 Net Asset Value
More informationThe Schwab 529 Education Savings Plan. Rely on Schwab s expertise to help you plan for future education expenses.
The Schwab 529 Education Savings Plan Rely on Schwab s expertise to help you plan for future education expenses. Saving for college or other education expenses: A 529 plan is essential Tuition, fees, books,
More informationThe Schwab 529 College Savings Plan. Rely on Schwab s expertise to help you plan for a child s college education.
The Schwab 529 College Savings Plan Rely on Schwab s expertise to help you plan for a child s college education. Saving for college: A 529 plan is essential Tuition, fees, books, room and board. It all
More informationBlackRock. LifePath Index Funds. An index-based Target Date approach, designed to help keep retirement savings on track
BlackRock LifePath Index Funds An index-based Target Date approach, designed to help keep retirement savings on track John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company
More informationA portfolio that matches your plans.
A portfolio that matches your plans. Amerivest Core Portfolios powered by Morningstar Associates Expert investment management Tailored portfolio recommendations Straightforward, competitive pricing Dedicated
More informationStrategic. Financial. Solutions. The Advantage of Personal Professional Money Management
Strategic Financial Solutions The Advantage of Personal Professional Money Management 2 S t r a t e g i c F i n a n c i a l S o l u t i o n s Having financial goals is one thing. Achieving them is another,
More informationPACER EXCHANGE TRADED FUNDS Premium/Discount Period Covered October 1, 2017 through December 31, 2017
PACER EXCHANGE TRADED FUNDS Premium/Discount Period Covered October 1, 2017 through December 31, 2017 The tables below provide information about the difference between the daily market closing price for
More informationPACER EXCHANGE TRADED FUNDS Premium/Discount Period Covered January 1, 2018 through March 31, 2018
PACER EXCHANGE TRADED FUNDS Premium/Discount Period Covered January 1, 2018 through March 31, 2018 The tables below provide information about the difference between the daily market closing price for shares
More informationPACER EXCHANGE TRADED FUNDS Premium/Discount Period Covered November 1, 2017 through January 31, 2018
PACER EXCHANGE TRADED FUNDS Premium/Discount Period Covered November 1, 2017 through January 31, 2018 The tables below provide information about the difference between the daily market closing price for
More informationFidelity Portfolio Advisory Service. Focused on you and your financial goals
Fidelity Portfolio Advisory Service Focused on you and your financial goals Let us take the weight of investing off your shoulders. A Fidelity Portfolio Advisory Service managed account can help take the
More informationExchange Traded Fund Option. Alison S. Wood Vice President Senior Trust & Estate Specialist
Exchange Traded Fund Option Alison S. Wood Vice President Senior Trust & Estate Specialist Exchange Traded Fund Option The Exchange Traded Fund Option: An index-based investment solution offering low-cost,
More informationInvesting basics. Shelly Maas, Merrill Lynch Financial Wellness Specialist. June 15, 2018
Investing basics Shelly Maas, Merrill Lynch Financial Wellness Specialist June 15, 2018 Merrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated
More informationYour RSP Investment Options
Your RSP Investment Options DuPont Retirement Savings Plan When you participate in the DuPont Retirement Savings Plan (RSP), you need to decide how to invest your contributions. Your decision should take
More informationLeveraged ETFs: Pursuing Daily Targets in Volatile Markets
Leveraged ETFs: Pursuing Daily Targets in Volatile Markets THE DAILY OBJECTIVE The Direxion Daily 3x Exchange Traded Funds (ETFs) seek to provide daily leveraged investment results that are either 300%
More informationThe Schwab 529 College Savings Plan
The Schwab 529 College Savings Plan Rely on Schwab s expertise to help you plan for your child s college education. Maximize the benefits of a 529 Plan What is a 529 Plan? A 529 Plan is a state-sponsored,
More informationIBM 401(k) Plus Plan. Individual Fund Flyer Conservative Fund
IBM 401(k) Plus Plan Individual Fund Flyer Conservative Fund This investment option is a unitized fund and not a mutual fund and as such is not registered with the Securities Exchange Commission (SEC).
More informationT. Rowe Price Retirement Funds
T. Rowe Price Retirement Funds Date Copyright 2014. T. Rowe Price. All Rights Reserved. Copyright 2013. T. Rowe Price. All Rights Reserved. What we ll cover today T. Rowe Price Retirement Fund overview
More informationAdvancements in target date fund delivery. Weighing the pros and cons of collective investment trusts and customization in target date design
Advancements in target date fund delivery Weighing the pros and cons of collective investment trusts and customization in target date design Executive summary Jake Gilliam Director, Head Client Portfolio
More informationYour guide to upcoming changes to your 401(k) Plan Farm Credit Foundations Defined Contribution/401(k) Plan
Your guide to upcoming changes to your 401(k) Plan Farm Credit Foundations Defined Contribution/401(k) Plan John Hancock Retirement Plan Services, LLC and Farm Credit Foundations are not affiliated and
More informationPERSONAL WEALTH PORTFOLIOS. simplify. your life. With Investment Strategies
PERSONAL WEALTH PORTFOLIOS simplify your life With Investment Strategies The Personal Wealth Portfolios: Meeting Sophisticated Needs in a Single Account As an investor, your financial portfolio is more
More informationBlackRock. LifePath Index Funds. An index-based Target Date approach, designed to help keep retirement savings on track
BlackRock LifePath s An index-based Target Date approach, designed to help keep retirement savings on track John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York
More informationUSAA Managed Portfolios
USAA Managed Portfolios USAA Managed Portfolios UMP (UMP) provides you with a professionally managed, broadly diversified portfolio to help you achieve your long-term financial goals. The UMP program focuses
More informationWhat Works. Our time-tested approach to investing is very straightforward. And we re ready to make it work for you. Three important steps.
What Works Our time-tested approach to investing is very straightforward. And we re ready to make it work for you. Three important steps. Ten effective principles. Three important steps. Ten effective
More informationPACER EXCHANGE TRADED FUNDS Premium/Discount Period Covered October 1, 2018 through December 31, 2018
PACER EXCHANGE TRADED FUNDS Premium/Discount Period Covered October 1, 2018 through December 31, 2018 The tables below provide information about the difference between the daily market closing price for
More informationPRINCIPAL LIFETIME HYBRID COLLECTIVE INVESTMENT FUNDS DISCLOSURE DOCUMENT
PRINCIPAL LIFETIME HYBRID COLLECTIVE INVESTMENT FUNDS DISCLOSURE DOCUMENT Information provided in this summary is as of October 3, 2017. This summary includes key information about the Collective Investment
More informationPerformance Supplement. The IBM 401(k) Plus Plan Investment Results
Performance Supplement The IBM 401(k) Plus Plan Investment Results Listed below is the annualized performance of the Primary investment options available through the IBM 401(k) Plus Plan for the period
More informationDiversified Managed Allocations
Diversified Managed Allocations Multi-strategy portfolios with a focus on flexibility Is this program right for you? DMA is designed for investors who: Want experienced, professional money managers to
More informationModern Wealth Index. Charles Schwab May 2018
Modern Wealth Index May 2018 Methodology What An online study among a sample of the general public was conducted by Koski Research. Koski Research is neither affiliated with, nor employed by, & Co., Inc.
More informationSchwab ETFs. Discover the value of ETF investing with Charles Schwab Investment Management. For Institutional Investor Use Only
Schwab ETFs Discover the value of ETF investing with Charles Schwab Investment Management. The importance of ETFs in today s portfolio Investment professionals face a challenging and ever-changing environment.
More informationPNC Target Date Funds. Making Saving for Retirement Simpler for You
PNC Target Date Funds Making Saving for Retirement Simpler for You Walking With You on the Path to Retirement We understand that with the number and variety of retirement savings options available to you,
More informationFundSource. Professionally managed, diversified mutual fund portfolios. A sophisticated approach to mutual fund investing
FundSource Professionally managed, diversified mutual fund portfolios Is this program right for you? FundSource is designed for investors who: Want a diversified portfolio of mutual funds that fits their
More informationStrategic Target Funds. Investing in the Strategies of Strategies Capital Management
Funds Investing in the Strategies of Strategies Capital Management Collective Investment Fund Overview A Collective Investment Fund (CIF) is an institutional-only investment structure that is exclusively
More informationINVESTMENT OPTIONS GUIDE. For the New York State Deferred Compensation Plan
INVESTMENT OPTIONS GUIDE For the New York State Deferred Compensation Plan Investment guide outline Your investment options guide includes: 1. Investing for retirement 2. Your first decision 3. Investment
More informationGuaranteed protection for life
Lincoln VUL ONE Suite Guaranteed protection for life A lifetime guaranteed death benefit with the freedom to pursue growth potential Insurance products issued by: The Lincoln National Life Insurance Company
More informationUMA Model Portfolios Professional Advice for Your Unified Managed Account
UMA Model Portfolios Professional Advice for Your Unified Managed Account B The introduction of unified managed accounts has helped many investors to consolidate and streamline their investment portfolios.
More informationCounty of Los Angeles 401(k) Savings Plan. P lanning. RETIREMENT Guide. (800)
County of Los Angeles 401(k) Savings Plan P lanning RETIREMENT Guide 2 www.countyla.com (800) 947 0845 Dear County of Los Angeles Employee: Even for the most financially savvy among us, planning for retirement
More information#2 DECIDE HOW TO INVEST
#2 DECIDE HOW TO INVEST To decide how to invest, choose the investment option that best fits your personality and current situation. As your situation changes over time, you may want to consider changing
More informationSchwab Intelligent Portfolios. Investing has changed forever.
Schwab Intelligent Portfolios. Investing has changed forever. Technology that will change the way you invest. Schwab Intelligent Portfolios is an automated investment advisory service that builds, monitors,
More informationTHE FREEDOM UMA. Unified Managed Account Strategies
THE FREEDOM UMA Unified Managed Account Strategies Freedom UMA Effective investment planning cannot be left to chance. It requires research, consultation, planning, execution and constant monitoring. When
More informationMANAGED ACCOUNTS. Capital Directions. A guided approach to financial achievement
MANAGED ACCOUNTS Capital Directions A guided approach to financial achievement CAPITAL DIRECTIONS A UNIFIED MANAGED ACCOUNT THAT COMBINES FLEXIBILITY, SIMPLICITY, AND DISCIPLINE With a Capital Directions
More informationNextGen College Investing Plan Client Select Series Investment Guide
NextGen College Investing Plan Client Select Series Investment Guide The NextGen College Investing Plan is a Section 29 plan that offers you a tax-advantaged way to invest for a child s qualified higher-education
More informationWorking for Your Future
Working for Your Future Valero Energy Corporation Thrift Plan Highlights Enroll Today Congratulations! You are now eligible to participate in the Valero Energy Corporation Thrift Plan (the Thrift Plan
More informationA Guide To DEFINED FOCUSED DISCIPLINED
A Guide To F I R S T T R U S T U N I T I N V E S T M E N T T R U S T S DEFINED FOCUSED DISCIPLINED W H A T I S A U N I T I N V E S T M E N T T R U S T? U I T F E A T U R E S A unit investment trust or
More informationTake charge of your retirement income
Take charge of your retirement income The Schwab Advisor Choice Variable Annuity with an optional guaranteed lifetime withdrawal benefit An annuity from Charles Schwab issued by Great-West Life & Annuity
More informationInvesting Essentials. Your dreams are too important to leave to chance
Investing Essentials Your dreams are too important to leave to chance Your investing goals are as unique as you are. Whether you re investing on your own or working with one of our Investment Consultants,
More informationManning & Napier Fund, Inc. Target 2060 Series Class K
Target 2060 Series Class K Fund Facts Ticker CUSIP MTKKX 56382R779 Inception Date 09/21/2015 Fund Manager Team Approach Investment Minimum* $2,000 Before Fee Waiver 10.50% After Fee Waiver** 1.13% *May
More informationGuaranteed income for life. In any market.
Guaranteed income for life. In any market. Schwab Retirement Income Variable Annuity with optional Guaranteed Lifetime Withdrawal Benefit. A variable annuity from Charles Schwab, issued by Pacific Life.*
More informationEmpowering employees with Advice Access
RETIREMENT & BENEFIT PLAN SERVICES Workplace Insights Empowering employees with Advice Access According to a report, employees who enroll in 401(k) managed accounts are more likely to have greater success
More information401(k) Savings Plan Summary Plan Description JPMorgan Chase. January 1, 2016
401(k) Savings Plan Summary Plan Description JPMorgan Chase Your Retirement Savings Program JPMorgan Chase offers a meaningful retirement savings program including a 401(k) Savings Plan and Retirement
More informationPacific PRIME VUL Flexible Premium Variable Universal Life Insurance. Help Protect and Grow. Pacific Life Insurance Company PPVUL-1J
Pacific PRIME VUL Flexible Premium Variable Universal Life Insurance Help Protect and Grow PPVUL-1J Pacific Life Insurance Company 1 Pacific PRIME VUL Protect What Matters Now. Grow for the Future. Time.
More informationVanguard Target Retirement Funds. Outwardly simple. Inwardly sophisticated.
Vanguard Funds Outwardly simple. Inwardly sophisticated. A Fund will hold more stocks the further it is from its target date, seeking stocks high potential growth. Stocks also have the highest risk of
More informationTake charge of your retirement income.
Take charge of your retirement income. The Schwab OneSource Choice Variable Annuity with optional guaranteed lifetime withdrawal benefit. An annuity from Charles Schwab issued by Great-West Life & Annuity
More informationPlan. Live. Well. Well. The Wise Choice for Educators. The life you want in retirement begins right here, right now.
The Wise Choice for Educators The Combined 457(b) and 403(b) Plan Sponsored by Illinois Public Pension Fund Association (IPPFA) Plan Well Live Well The life you want in retirement begins right here, right
More informationINVESTMENT GUIDE. Table of Contents. Introduction About Savings Plus... 1 How to Invest for Your Retirement... 1
INVESTMENT GUIDE INVESTMENT GUIDE Table of Contents Introduction About Savings Plus... 1 How to Invest for Your Retirement... 1 Section 1: Asset Allocation Two Key Elements of Asset Allocation... 3 How
More informationSchwab Bank Collective Trust Funds
Schwab Bank Collective Trust Funds Explanation of Fees and Services Contact us: (877) 824-5615 schwabbankfunds@schwab.com www.schwabbankfunds.com I N S I D E: Services Provided by Charles Schwab Bank and
More informationLearning Quest Education Savings Program
Learning Quest Education Savings Program A 529 College Savings Plan In this newsletter you ll find important information about changes coming soon to your account. Effective July 14, 2017, the Learning
More informationSchwab Diversified Growth Allocation Trust Fund (Closed to new investors) Institutional Unit Class As of June 30, 2017
Fund Facts Trustee Fund Type Charles Schwab Bank Collective Trust Fund Morningstar Category Allocation - 50-70% Equity Benchmark Global Growth Custom Index 1 Unit Class Inception Date 3/7/2012 Fund Inception
More informationStrategies for staying on track. Prepare yourself for the journey ahead
Strategies for staying on track Prepare yourself for the journey ahead TIAA and you: Working together to pursue a financially secure future At TIAA, our mission is simple: We re here to help our customers
More informationInvestment Options. Selecting the Right Retirement Plan Investments
Investment Options Selecting the Right Retirement Plan Investments 451986 Comprehensive Fund Selection Designed for Retirement Savings The investment options available in our retirement products are carefully
More informationLVIP T. Rowe Price 2050 Fund. Summary Prospectus May 1, (Standard and Service Class) (formerly, LVIP Managed Risk Profile 2050 Fund)
LVIP T. Rowe Price 2050 Fund (formerly, LVIP Managed Risk Profile 2050 Fund) (Standard and Service Class) Summary Prospectus May 1, 2018 Before you invest, you may want to review the Fund s Prospectus,
More informationHow-To Guide for the. Plan and Investment Disclosure
How-To Guide for the Plan and Investment Disclosure Reviewing Your Disclosure T. Rowe Price has created this guide to assist you with reviewing the 2017 Plan and Investment Disclosure for your Plan(s).
More informationDiscover the power. of ETFs. Not FDIC Insured May May Lose Lose Value Value No No Bank Bank Guarantee
Discover the power of ETFs Not FDIC Insured May May Lose Lose Value Value No No Bank Bank Guarantee Discover exchange-traded funds (ETFs) Financial television programs and publications continue to give
More informationq merrill edge guided investing strategy profile CIO Moderately Conservative ETF Core Tax Aware
Overview This Strategy seeks to provide diversified exposure among three major asset classes for a client's account with a moderately conservative target asset allocation. In normal market conditions,
More informationINVEST IN TOMORROW. Prudential Managed Account. Strategic Portfolios
INVEST IN TOMORROW Prudential Managed Account Strategic Portfolios LINK by Prudential Connect the dots of your financial life. LINK by Prudential is designed to be there for you throughout your life, no
More informationPROFESSIONALLY MANAGED INVESTMENT SOLUTIONS THROUGH EXCHANGE TRADED FUNDS
PROFESSIONALLY MANAGED INVESTMENT SOLUTIONS THROUGH EXCHANGE TRADED FUNDS CALING THE HEIGHTS SCALING THE HEIGHTS I WITH EXCHANGE TRADED FUNDS Y THE INVESTMENT CREATED FOR INSTITUTIONS IS NOW AVAILABLE
More informationa glance
Investments @ a glance We ve made saving for a brighter retirement easier with simple, low-cost investments solutions designed specifically for your plan. Sun Life Financials investment solutions provide
More informationYOUR GUIDE TO GETTING STARTED
CentraCare Health 403(b) Retirement Plan Invest in your retirement and yourself today, with help from the CentraCare Health 403(b) Retirement Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some
More informationLower-cost investing coming soon
Lower-cost investing coming soon A valuable benefit keeps getting better The University of North Carolina (UNC) System retirement programs are one of the great benefits you have as an employee, giving
More informationEXPERTLY DESIGNED. CONTINUALLY FINE-TUNED.
INVESTOR S GUIDE EXPERTLY DESIGNED. CONTINUALLY FINE-TUNED. Franklin LifeSmart Retirement Funds Each Franklin LifeSmart Retirement Target Fund is designed for investors expecting to retire around the target
More informationLifePath Index Funds
A complete retirement portfolio in a single fund LifePath Index Funds Morningstar Analyst Rating Morningstar has awarded the fund a Gold medal, its highest level of conviction. (Latest rating as of 2/2/17.)
More informationMarvell Semiconductor 401(k) Retirement Plan
Marvell Semiconductor 401(k) Retirement Plan Table of Contents How to Enroll... 1 Choose Your Investment Strategy.... 2 Plan Highlights.... 4 Managing Your Account.... 9 Dear Valued Employee: Have you
More informationImagine Your Future, Plan Today
Imagine Your Future, Plan Today Enroll today and Brighten your brighten your financial future. financial future. Doctors Community Hospital Tax Deferred Savings Plan Welcome to Your Plan Whether your retirement
More information#2 DECIDE HOW TO INVEST
#2 DECIDE HOW TO INVEST To decide how to invest, choose the investment option that best fits your personality and current situation. As your situation changes over time, you may want to consider changing
More informationPassive target date funds: Separating myth from reality. Many active decisions go into passive fund design
Passive target date funds: Separating myth from reality Many active decisions go into passive fund design Executive summary John Greves, CFA Vice President, Head of Multi-Asset Strategies The use of passive
More informationOKLAHOMA MUNICIPAL RETIREMENT FUNDTM. A plan for today. Retirement possibilities for tomorrow.
OKLAHOMA MUNICIPAL RETIREMENT FUNDTM A plan for today. Retirement possibilities for tomorrow. TM SET UP YOUR PLAN ACCOUNT ACCESS TODAY You can access your account in a variety of ways. Whether online,
More informationSmart Foundation Variable Annuities
Smart Foundation Variable Annuities Smart Foundation Variable Annuities Discover What s Possible PM8274 Page 1 of 8 Plan for retirement so you can Celebrate a Life Lived Well Celebrating retirement means
More informationTake action toward your financial future. Participate in your retirement plan
Take action toward your financial future Participate in your retirement plan GETTING STARTED 4 steps to preparing for retirement PRODUCTS AND FINANCIAL SERVICES PROVIDED BY AMERICAN UNITED LIFE INSURANCE
More informationManning & Napier Target Funds Information
Manning & Napier Funds Information As you are aware, earlier this year we conducted focus groups with thirty members that are participants in the Annuity and Savings Plan. Our goal was to use the feedback
More informationa glance
Investments @ a glance We ve made saving for a brighter retirement easier with simple, low-cost investments solutions designed specifically for your plan. Sun Life Financials investment solutions provide
More informationSchwab Institutional Small Cap Trust Fund (Closed to new investors)
Fund Facts Trustee Fund Type Charles Schwab Bank Collective Trust Fund Morningstar Category Small Blend Benchmark Russell 2000 Index 1 Unit Class Inception Date 6/24/2004 Fund Inception Date 6/25/2004
More informationETF strategies INVESTOR EDUCATION
ETF strategies INVESTOR EDUCATION Contents Why ETFs? 2 ETF strategies Asset allocation 4 Sub-asset allocation 5 Active/passive combinations 6 Asset location 7 Portfolio completion 8 Cash equitization 9
More informationMerrill Edge Select Portfolios. Portfolio management by Merrill Lynch
Merrill Edge Select Portfolios Portfolio management by Merrill Lynch Merrill Edge Select Portfolios As an individual investor, sorting through the multitude of available mutual funds and exchange-traded
More informationS T H EIG E H H SCALING THE HEIGHTS I WITH EXCHANGE TRADED FUNDS T G LIN A SC
PROFESSIONALLY MANAGED INVESTMENT SOLUTIONS THROUGH EXCHANGE TRADED FUNDS SCALING THE HEIGHTS SCALING THE HEIGHTS I WITH EXCHANGE TRADED FUNDS AN ETF-BASED DISCIPLINED PROCESS TO HELP YOU ACHIEVE YOUR
More informationBuild a tailored solution with Manulife Avenue Portfolios
Build a tailored solution with Manulife Avenue Portfolios 1 Help plan members invest with confidence and stay on track Your plan members are not all the same. They have different savings goals and investment
More informationMassMutual Capital Vantage
MassMutual Capital Vantage A Flexible Premium Deferred Variable Annuity TABLE OF CONTENTS 2 Sophisticated simplicity 3 Tax-deferred growth potential 4 How Capital Vantage works 10 Generating a retirement
More informationLiving today while planning for tomorrow. UTC Employee Savings Plan Enrollment Guide TOTAL REWARDS
Living today while planning for tomorrow 2018 UTC Employee Savings Plan Enrollment Guide TOTAL REWARDS WHAT S INSIDE Why Save Now?...3 Steps To Getting Started STEP 1: Decide How Much To Save...4 STEP
More informationDiscover the power. of ETFs. Not FDIC Insured May May Lose Lose Value Value No No Bank Bank Guarantee
Discover the power of ETFs Not FDIC Insured May May Lose Lose Value Value No No Bank Bank Guarantee Discover exchange-traded funds (ETFs) Financial television programs and publications continue to give
More informationLearn about exchange-traded funds. Investor education
Learn about exchange-traded funds Investor education Become a more knowledgeable exchange-traded funds investor In this education guide, you ll get answers to common questions about exchange-traded funds,
More informationInvestment changes are coming to your retirement plan
Investment changes are coming to your retirement plan Table of contents Page 2 About the investment changes Page 4 Your closing funds Page 5 What the fund closures mean to you Page 6 About the Vanguard
More informationINVESTMENT FUND SUMMARY October 2017
FRS Investment Plan INVESTMENT FUND SUMMARY October 07 Build an Investment Portfolio That s Right for You As a (FRS) Investment Plan member, you get to choose how your account balance is invested. This
More informationPROFESSIONALLY MANAGED INVESTMENT SOLUTIONS THROUGH EXCHANGE TRADED FUNDS
PROFESSIONALLY MANAGED INVESTMENT SOLUTIONS THROUGH EXCHANGE TRADED FUNDS SCALING THE HEIGHTS SCALING THE HEIGHTS I WITH EXCHANGE TRADED FUNDS AN ETF-BASED DISCIPLINED PROCESS TO HELP YOU ACHIEVE YOUR
More informationSimple. Intelligent. Versatile.
SPONSORED BY M &T BANK Simple. Intelligent. Versatile. page 3 Portfolio Architect is a managed account program sponsored and managed by M&T Bank, with support from Wilmington Trust Investment Advisors,
More informationA winning relationship
A winning relationship For clients of independent investment advisors You, your advisor, and Schwab Advisor Services Your advisor s expertise and Schwab s custody services come together to help protect
More informationYour life. Your future. Your options.
Your life. Your future. Your options. Whether by chance or by choice, you have options. Explore them with Empower Retirement. Corporate Retirement Plan Participant Brochure You want to retire someday or
More informationPNC Investments Client Schedule of Commissions & Fees
PNC Investments Client Schedule of Commissions & Fees PNC Investments (PNCI) Financial Advisors 1 work closely with you, taking time to fully understand your current financial situation, establish and
More information