Voya Index Solution Portfolios

Size: px
Start display at page:

Download "Voya Index Solution Portfolios"

Transcription

1 Voya Index Solution Portfolios The Target-Date Choice to Help Keep Retirement Goals on Track Holistic Retirement Solution Sophisticated Glide Path Design Passively Managed Funds Not FDIC Insured May Lose Value No Bank Guarantee I N V E S T M E N T M A N AG E M E N T

2 Holistic Retirement Solution: Helping Participants Keep What They ve Earned Most participants seek two things from their retirement plan investments: the ability to maintain their lifestyle in retirement while not outliving the accumulated assets. Voya s Index Solution Portfolios are designed to specifically balance the evolving risk-return profiles of participants as they age to maximize the probability of a successful retirement. Individuals investing in a target date fund within their workplace defined contribution (DC) retirement plan feel more confident about investing and meeting their retirement goals than those that don t use target date funds, according to survey results from Voya Investment Management. In the survey, Participant Preferences in Target Date Funds: Fresh Insights, 1 nearly two-thirds (63%) of target date fund (TDF) investors felt confident they would meet their retirement goals. In comparison, just under half (48%) of non-tdf investors felt confident about their retirement savings. Further reinforcing this confidence among TDF investors is the survey s finding that two-thirds (67%) felt they could turn their plan savings into an income stream at retirement, compared with just 46% of non-tdf investors. Overall, three-fourths (75%) of plan participants using TDFs reported that the investments alleviated the stress of retirement planning, increased their confidence that they were making good investment decisions (75%), and helped them feel more assured they could meet their retirement income goals (72%). One Solution for the Different Stages of a Participant s Savings Life Life Stage Young Savers (<40) Mid-Career (40 55) Nearing Retirement (55 65) In Retirement (>65) Key Objective Maximize wealth accumulation Reduce investment risk as savings grow Reduce volatility to preserve assets Protect assets and generate income that lasts as long as one lives Key Risks Not saving enough Volatility or low returns Significant capital losses and inflation Income needs outstrip assets Voya Index Solution Portfolios Maximize equity exposures to give you a head start on accumulating for retirement Slowly and steadily reduce equity exposure over time taking into account market conditions Continue to trim exposure to risky assets such that most conservative allocation occurs at retirement Diversify and actively manage asset mixes to lead to potentially greater income stability 1 Voya Investment Management, Participant Preferences in Target Date Funds: Fresh Insights, January Voya Investment Management conducted an online survey of 1,005 employer-sponsored retirement plan participants in September Of the respondents, 502 invested in a TDF within their plan while 503 did not. All respondents to the survey were currently contributing to an employer-sponsored defined contribution plan, were age 25 or older, and were the primary/joint financial decision maker for their account. The survey included plans of all employer sizes. The data has been weighted by household income, age and gender, among other variables, to more closely represent the demographics of the general retirement plan population. To prevent bias, Voya Investment Management was not identified as the sponsor of this research. 2

3 Voya Index Solution Portfolios Help Participants Overcome Common Obstacles to Successful Retirement Investing Retirement investors encounter a number of behavioral hurdles that threaten the success of an investment program. These include: Decision Paralysis. Faced with what appears to be a never-ending series of investment decisions, many plan participants choose the easiest course of action by doing nothing the worst option of all. Complacency. After an initial allocation to their retirement plan, participants often neglect their portfolios, which over time can result in asset allocations ill-suited to their changing risk profile. Emotional Influence. Research shows that participants despite their best intentions tend to get into and out of the market at very inopportune times based on emotion or by following the herd. The Emotional Impact of Investing Point of Maximum Financial Risk Peak Recovery Prosperity Thrill Euphoria Anxiety Thrill Euphoria Excitement Denial Excitement Economy Optimism Fear Optimism Desperation Relief Panic Hope Capitulation Depression Contraction Point of Maximum Financial Opportunity Expansion Time Source: Voya Investment Management This chart is for illustrative purposes only and does not represent an actual investment or the performance of any specific investment. 3

4 Voya Index Solution Portfolios are designed to help participants overcome these obstacles, relieving them of the guesswork and anxiety that can accompany retirement investing. Simple and Effective. Voya Index Solution Portfolios are designed to simplify retirement investing, with an all-in-one, fully managed portfolio that evolves with investors needs. Actively Managed. Our team of experienced portfolio managers automatically adjusts the portfolios strategic exposures as participants move through their careers, including tactical adjustments to manage risks in changing market conditions. Diversified. Voya invests in passive funds across asset classes to create diversified portfolios based on a participant s retirement date and risk profile. Voya Index Solution Portfolios are managed by our Multi-Asset Strategies and Solutions team following a rigorous and proven process to guide retirement assets to and through retirement. Disciplined Portfolio Construction Glide Path Research and Construction Active Asset Allocation Forward looking long-term forecasts are made to construct portfolios that may outperform over the next market cycle The portfolios are adjusted based on shorter term market opportunities or risks Manager Selection and Portfolio Construction Funds are chosen to represent the asset classes and styles within an overall portfolio Passively managed strategies are utilized Portfolio Implementation and Risk Management Investment decisions are translated into the portfolios in a cost effective and consistent manner Disciplined rebalancing process designed to control risks and support investment performance Glide path seeks to optimize the equity allocation for participants at each point in time Average Participant s risk tolerance, expectations and actual behaviors are taken into account 4

5 Sophisticated Glide Path Design: Maximizing Accumulation Potential in the Early Years, Protecting Wealth in the Later Years In general, younger participants can afford to take on more investment risk in exchange for greater potential returns. Of course, the opposite is also true; as participants approach retirement, risk profi les must grow more conservative in order to protect the accumulated wealth. The manner in which a portfolio adjusts to this change in risk tolerance over time is known as its glide path and is a key differentiating feature among the many available target date funds and a primary determinant of their returns and volatility. Voya Index Solution Portfolios maximize asset accumulation in the early years of participants careers, taking aggressive equity positions. The portfolios shift emphasis to asset protection in later years, reducing risk and ultimately reaching their most conservative equity allocation of 35% at retirement to help investors hold onto what they have accumulated in a lifetime of saving. A Portfolio that Adjusts as Your Career Progresses Percentage of Portfolio Early Career Mid Career Pre-Retirement Retirement 100% Fixed Income Aggressive equity allocation early in career Reduction of equities aligned with changing risk profile Accelerated risk Conservative allocation reduction in critical Equity in retirement pre-retirement years Retirement Years Before Retirement Date Years After Retirement Source: Voya Investment Management This chart is for illustrative purposes only and may not refl ect the current allocations of the Voya Index Solution Portfolios. This illustration is intended to show how the Voya Index Solution Portfolios transition over time. The Importance of a Conservative Allocation Near Retirement Impact of a 20 Loss at Different Ages Ending Value at Retirement $800,000 $600,000 $400,000 $200,000 $0 $773,788 20% Loss at Age 25 Source: Voya Investment Management $678,313 20% Loss at Age 40 $600,826 20% Loss at Age 60 As retirement approaches, the ability of a participant s portfolio to withstand market shocks dramatically diminishes, as the balances are greater and the time frame in which to recover from losses is shorter. As the chart to the left demonstrates, a 20 loss at age 25 can be recovered a lot easier than the same loss at age 60. This hypothetical example is for illustrative purposes only. The chart assumes a 40-year career beginning at age 25 with a salary of $35,000, annual wage growth of 3, a contribution rate of 9 and an average annual return of 6 (except in the year of the 20 loss). 5

6 Portfolio Allocations for Each Stage of Retirement Planning Effective glide path design entails more than just adjusting a portfolio s weighting to equities and fixed income. To optimize asset allocation throughout participant life cycles, we drill down into sub-asset classes to identify those investments best suited for participant needs at that point in the life cycle. We believe our investments across a broad range of risk premiums can potentially increase risk-adjusted returns over the long term and enhance our ability to manage varying risks. A properly diversified portfolio can dampen the effects of this asset class performance volatility, which is critical in the context of a target date fund built to accumulate and preserve assets. At the beginning of participants careers, the Voya Index Solution Portfolios not only take on an outsized allocation to equities, they also invest more in riskier equity classes such as U.S. small cap and emerging markets; despite the greater potential for short-term volatility, these investments are likely to earn a greater market risk premium given the sufficiently long time horizon. In contrast, as participants move closer to retirement, the need to preserve wealth becomes more important than accumulating wealth. We address this concern not only by reducing equity exposure but also by shifting assets into less volatile asset classes while also emphasizing income-producing asset classes like high yield and other credit, as well as shorter-term inflation hedges, such as senior loans. Less Risk Through Broader Diversification 100% Percentage of Portfolio Fixed Income 20 Equity Equity U.S. Large Cap U.S. Mid Cap U.S. Small Cap International Years Before Retirement Emerging Markets U.S. Real Estate Global Real Estate Commodities Retirement Date Fixed Income Core Fixed Income High Yield Senior Debt Short Duration After Retirement There is no guarantee that a diversified portfolio will outperform a non-diversified portfolio. 6

7 Voya Investment Management Has a Leading Team in Asset Allocation Drawing on years of experience and an ongoing commitment to reliable investing, Voya Investment Management has the resources and expertise to help long-term investors achieve strong investment results. Voya Investment Management has been selecting and monitoring managers in asset allocation portfolios for more than 26 years. Our Multi-Asset Strategies and Solutions (MASS) team applies a process that incorporates numerous checks and balances to help maximize market opportunities while minimizing unnecessary risk. The MASS team consists of 25 dedicated investment professionals employing a rigorous investment process for the Voya Index Solution Portfolios that combines quantitative and fundamental analysis, including macroeconomic forecasting, proprietary optimization techniques and multiple layers of risk management. The team s experience spans domestic and international markets as well as non-traditional asset classes. Multi-Asset Strategies and Solutions Paul Zemsky, CFA, Senior Managing Director CIO of MASS Custom Portfolio Management Strategy Research Strategy Design Team Portfolio Implementation Management Risk Monitoring Rebalancing Cash Management Input Alpha Drivers Investment Services Asset Allocation Manager Research Client Reporting Communication Support 7

8 Voya Investment Management Equity Fixed Income Multi-Asset Strategies & Solutions Voya Investment Management is the asset management arm of Voya Financial, a leader in retirement services and investing. Our investment platform has been carefully built to help meet the long-term needs and goals of our clients, supported by more than 200 investment professionals. Our deep understanding of managing risk exposure and capturing unrecognized investment potential through intense fundamental research and skilled portfolio construction has delivered a consistency of results across continuously evolving market cycles. Today, we are proud to manage more than $219 billion in assets for investors. 1 82% of our assets outperformed their benchmark or peer median on a 3-year basis. 2 87% of our assets outperformed their benchmark or peer median on a 5-year basis. 2 86% of the time our portfolios outperformed their benchmark on a rolling 3-year basis. 3 Past performance does not guarantee future results. 1 As of 03/31/17, Voya IM assets of $219 billion include proprietary insurance general account assets of $89 billion calculated on a market value basis. Voya IM assets, as reported in Voya Financial, Inc. SEC fi lings, include general account assets valued on a statutory book value basis and total approximately $213 billion. 2 Metrics presented use pre-determined criteria to measure each individual investment product based on its ability to either A) rank above the median of its peer category; or B) outperform its benchmark index on a gross-of-fees basis. Generally speaking, the results for unconstrained, fully-active investment products were based on relevant peer category rankings while those of enhanced index, rules-based, risk-constrained, or client-specifi c investment products were based on benchmark-relative performance. Metrics are calculated on an annualized basis and includes mutual funds as well as pooled and separately-managed institutional portfolios that fall within our traditional (long-only) commercial book of business that remain open as of 03/31/17. If terminated and other accounts had been included, results may have differed from that shown. 3 Metrics are based on observations of rolling 3-year annualized returns over the last 30 months, calculated on an annualized, gross-of-fees basis, and includes mutual funds as well as pooled and separately-managed institutional portfolios that fall within our traditional long-only commercial book of business that remain open as of 03/31/17. If terminated and other accounts had been included, results may have differed from that shown. Source of performance returns and peer medians is Voya Investment Management but is based in part on data from Morningstar (mutual funds) and evestment (institutional composites). Further detailed information regarding these calculations is available upon request. A reliable partner committed to reliable investing For more information on Voya Index Solution Portfolios, contact your Financial Professional or visit Variable insurance products and retirement programs are long-term investments designed for retirement purposes. If withdrawals are taken prior to age 59 ½, an IRS 10% premature distribution penalty tax may apply. Money taken from the annuity will be taxed as ordinary income in the year the money is distributed. An annuity does not provide any additional tax deferral benefit, as tax deferral is provided by the plan. Annuities may be subject to additional fees and expenses to which other tax-qualified funding vehicles may not be subject. However, an annuity does provide other features and benefits, such as lifetime income payments and death benefits, which may be valuable to you. Variable investments, of any kind, are not guaranteed and are subject to investment risk including the possible loss of principal. The investment return and principal value of the security will fluctuate so that when redeemed, may be worth more or less than the original investment. In addition, there is no guarantee that any variable investment option will meet its stated objective. All guarantees are based on the financial strength and claims paying ability of the issuing insurance company, who is solely responsible for all obligations under its policies. Insurance products, annuities and retirement plan funding issued by (third party administrative services may also be provided by) Voya Retirement Insurance and Annuity Company (Windsor, CT). Securities are distributed by Voya Financial Partners, LLC (member SIPC), Windsor, CT or through other broker/dealers with which it has selling agreements. Annuities may also be issued by ReliaStar Life Insurance Company (Minneapolis, MN), Voya Insurance and Annuity Company (Des Moines, IA) and ReliaStar Life Insurance Company of New York (Woodbury, NY). Variable annuities issued by ReliaStar Life Insurance Company are distributed by Voya Financial Partners, LLC. Variable annuities issued by Voya Insurance and Annuity Company and ReliaStar Life Insurance Company of New York are distributed by Directed Services, LLC. Only Voya Retirement Insurance and Annuity Company and ReliaStar Life Insurance Company of New York are admitted and issue products in the state of New York. There is no guarantee that any investment option will achieve its stated objective. Principal value fluctuates and there is no guarantee of value at any time, including the target date. The target date is the approximate date when an investor plans to start withdrawing their money. When their target date is reached, they may have more or less than the original amount invested. For each target-date portfolio, until the day prior to its target date, the portfolio will seek to provide total returns consistent with an asset allocation targeted for an investor who is retiring in approximately each portfolio s designated target year. On the target date, the portfolio will seek to provide a combination of total return and stability of principal. Stocks are more volatile than bonds, and portfolios with a higher concentration of stocks are more likely to experience greater fluctuations in value than portfolios with a higher concentration in bonds. Foreign stocks and small- and mid-cap stocks may be more volatile than large-cap stocks. Investing in bonds also, entails credit risk and interest rate risk. Generally investors with longer timeframes can consider assuming more risk in their investment portfolio. You should consider the investment objectives, risks, and charges and expenses of the variable product and its underlying fund options carefully before investing. The prospectuses contain this and other information regarding the variable product and its underlying fund options and can be obtained by contacting your local representative, by calling (800) or visiting Please read the information carefully before investing Voya Investments Distributor, LLC 230 Park Ave, New York, NY All rights reserved. (800) Individual Investors (800) Investment Professionals Not FDIC Insured May Lose Value No Bank Guarantee BSIG-INDXSOLPORT IM

Voya Target Retirement Fund Series

Voya Target Retirement Fund Series Voya Target Retirement Fund Series The Target Date Choice to Help Keep Retirement Goals on Track Holistic Retirement Solution Sophisticated Glide Path Design Open Architecture Approach Blend of Active

More information

Attractive option for college saving

Attractive option for college saving Tomorrow s Scholar 529 Age-Based Portfolios Attractive option for college saving... connecting to the future Not FDIC Insured May Lose Value No Bank Guarantee INVESTMENT MANAGEMENT Introduction The goal

More information

A Global Tactical Asset Allocation Fund

A Global Tactical Asset Allocation Fund Voya Perspectives Markets. Insights. Opportunities. TM Strategies Perspectives Fund Broad Diversification Based on Market Fundamentals Broad global diversification offers access to a world of opportunities

More information

Participant Preferences in Target Date Funds: An Update

Participant Preferences in Target Date Funds: An Update Participant Preferences in Target Date Funds: An Update Examining Perceptions and Expectations Among Target Date Investors and Non-Investors White Paper February 2014 A research study by Voya Investment

More information

Principal LifeTime portfolios. Investment options that strive to keep pace with life

Principal 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 information

A distinctive solution for your plan and employees. TIAA-CREF Lifecycle Funds

A distinctive solution for your plan and employees. TIAA-CREF Lifecycle Funds A distinctive solution for your plan and employees TIAA-CREF Lifecycle Funds TIAA has nearly 100 years of experience managing money for retirement and nearly 60 years of asset allocation experience. Our

More information

Voya Target Date: A Holistic Approach to Target Date Design

Voya Target Date: A Holistic Approach to Target Date Design Voya Target Date: A Holistic Approach to Target Date Design Paul Zemsky, CFA Chief Investment Officer, Multi-Asset Strategies and Solutions Jody Hrazanek Head of Strategy Design and Implementation Halvard

More information

Voya Life Companies Asset Allocation Solutions

Voya Life Companies Asset Allocation Solutions Voya Life Companies Asset Allocation Solutions Voya Global Perspectives Portfolio Voya Retirement Portfolios Custom Allocation Models This material must be preceded or accompanied by the variable universal

More information

Improve your employees retirement readiness by mapping to target date funds.

Improve your employees retirement readiness by mapping to target date funds. DC Insights The Value of Mapping to Target Date Funds Improve your employees retirement readiness by mapping to target date funds. 1 Participant benefits Turn a Fresh Start for Your Plan Into a Head Start

More information

A dynamic approach to investing

A dynamic approach to investing Portfolio Stabilizer funds available with a RiverSource variable annuity A dynamic approach to investing Issued by RiverSource Life Insurance Company, and in New York by RiverSource Life Insurance Co.

More information

Voya Target Date: A Holistic Approach to Target Date Design

Voya Target Date: A Holistic Approach to Target Date Design Voya Target Date: A Holistic Approach to Target Date Design May 2018 Paul Zemsky, CFA Chief Investment Officer, Multi-Asset Strategies and Solutions Halvard Kvaale, CIMA Head of Manager Research and Selection

More information

Deep Experience. THOUGHTFUL INNOVATION. Target date solutions from T. Rowe Price

Deep Experience. THOUGHTFUL INNOVATION. Target date solutions from T. Rowe Price Deep Experience. THOUGHTFUL INNOVATION. Target date solutions from T. Rowe Price troweprice.com/tdf Investment solutions designed for a multifaceted retirement landscape Today, defined contribution (DC)

More information

Target Date Fund Selection: More Than Simply Active vs. Passive

Target Date Fund Selection: More Than Simply Active vs. Passive Target Date Fund Selection: More Than Simply Active vs. Passive May 2018 Not FDIC Insured May Lose Value No Bank Guarantee INVESTMENT MANAGEMENT Table of Contents Executive Summary 2 Introduction 2 Glide

More information

Risk Managed Global Multi-Asset Portfolios Client Guide

Risk Managed Global Multi-Asset Portfolios Client Guide Risk Managed Global Multi-Asset Portfolios Client Guide Invest for More Consistent Returns Over Time ANNUITIES VARIABLE Not for use in the state of New York. All guarantees are subject to the claims-paying

More information

403(b) Tax Deferred Annuity Plan. Saving for the future you want

403(b) Tax Deferred Annuity Plan. Saving for the future you want 403(b) Tax Deferred Annuity Plan Saving for the future you want Many retirement experts agree...having the money you want in your later years comes from careful planning now. Important information: Variable

More information

Deep Experience. THOUGHTFUL INNOVATION. Target date solutions from T. Rowe Price

Deep Experience. THOUGHTFUL INNOVATION. Target date solutions from T. Rowe Price Deep Experience. THOUGHTFUL INNOVATION. Target date solutions from T. Rowe Price troweprice.com/dcio Investment solutions designed for a multifaceted retirement landscape Today, defined contribution (DC)

More information

THREE SIMPLE STEPS TO ENROLL

THREE SIMPLE STEPS TO ENROLL University of Minnesota Retirement Plans Complete the application Match the results Complete the quiz Retirement for U THREE SIMPLE STEPS TO ENROLL Need help? A Securian Plan Specialist can provide information

More information

Let s Talk About: Required Minimum Distributions from Qualified Annuities. Your future. Made easier. SM ANNUITIES

Let s Talk About: Required Minimum Distributions from Qualified Annuities. Your future. Made easier. SM ANNUITIES Let s Talk About: Required Minimum Distributions from Qualified Annuities Not FDIC/NCUA Insured May Lose Value Not A Deposit Of A Bank Not Bank Guaranteed Not Insured By Any Federal Government Agency ANNUITIES

More information

A powerful combination: Target-date funds and managed accounts

A powerful combination: Target-date funds and managed accounts A powerful combination: Target-date funds and managed accounts Summer 2016 Executive summary Salt and pepper Rosemary and thyme Cinnamon and nutmeg Great chefs often rely on classic combinations to create

More information

Understanding Annuities: A Lesson in Variable Annuities

Understanding Annuities: A Lesson in Variable Annuities Understanding Annuities: A Lesson in Variable Annuities Did you know that an annuity can be used to systematically accumulate money for retirement purposes, as well as to guarantee a retirement income

More information

June Target date funds: Why the to vs. through analysis falls short and what you should be considering

June 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 information

PERSONAL WEALTH PORTFOLIOS. simplify. your life. With Investment Strategies

PERSONAL 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 information

Retirement Guide: Saving and Planning

Retirement Guide: Saving and Planning Retirement Guide: Saving and Planning It s Never Too Early to Start What You Need to Know About Saving for Retirement Many of us don t realize how much time we may spend in retirement. In fact, statistics

More information

Strategies for staying on track. Prepare yourself for the journey ahead

Strategies 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 information

The How Do I Save For Retirement Challenge

The How Do I Save For Retirement Challenge 0278470-00003-00 Exp 12/12/2018 RSPP487 The How Do I Save For Retirement Challenge Presented by Dallas Chastain Place client logo here Magellan Health, Inc. Retirement Savings Plan This presentation is

More information

Deep Experience. THOUGHTFUL INNOVATION. Target date solutions from T. Rowe Price

Deep Experience. THOUGHTFUL INNOVATION. Target date solutions from T. Rowe Price Deep Experience. THOUGHTFUL INNOVATION. Target date solutions from T. Rowe Price troweprice.com/tdf Investment solutions designed for a multifaceted retirement landscape Today, defined contribution (DC)

More information

Driving Better Outcomes with the TIAA Plan Outcome Assessment

Driving Better Outcomes with the TIAA Plan Outcome Assessment Driving Better Outcomes with the TIAA Plan Outcome Assessment A guide to measuring employee retirement readiness and optimizing plan effectiveness For institutional investor use only. Not for use with

More information

A distinctive solution for your plan and employees. TIAA-CREF Lifecycle Funds

A distinctive solution for your plan and employees. TIAA-CREF Lifecycle Funds A distinctive solution for your plan and employees TIAA-CREF Lifecycle Funds TIAA-CREF s Lifecycle Funds offer distinct advantages: Asset allocation glidepath designed for longer lifespans Comprehensive

More information

Self-Directed Management Platform

Self-Directed Management Platform Self-Directed Management Platform Client Focused Investment Solutions Research Driven Risk Monitored Investing Made Simple Professional Investment Management for all your investment needs and goals. BM012016

More information

Global ETF Portfolios

Global ETF Portfolios The Leaders In Pactive Management Richard Bernstein Advisors Global ETF Portfolios Richard Bernstein Advisors The Leaders In Pactive Management It is startling that so many investors focus on short-term

More information

Diversified Managed Allocations

Diversified 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 information

Investment Options. Selecting the Right Retirement Plan Investments

Investment 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 information

BlackRock. 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 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 information

Your Asset Allocation: The Sound Stewardship Portfolio Construction Methodology Explained

Your Asset Allocation: The Sound Stewardship Portfolio Construction Methodology Explained Your Asset Allocation: The Sound Stewardship Portfolio Construction Methodology Explained Author: Dan Weeks, CFP At Sound Stewardship, we take a principled approach to investing. That means our investment

More information

The Pokorny Group at Morgan Stanley Smith Barney. Your success is our success.

The Pokorny Group at Morgan Stanley Smith Barney. Your success is our success. The Pokorny Group at Morgan Stanley Smith Barney Your success is our success. Our Mission With nearly two decades in the brokerage industry, we offer you an insightful and experienced team that is committed

More information

MANAGED ACCOUNTS. Capital Directions. A guided approach to financial achievement

MANAGED 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 information

Customized Target Date Solutions

Customized Target Date Solutions Customized Target Date Solutions Multi-asset class strategies tailored for plan-specific needs and goals J.P. Morgan Asset Management s defined contribution expertise and outcome-focused portfolio structuring

More information

IBM 401(k) Plus Plan. Individual Fund Flyer Conservative Fund

IBM 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 information

PRUDENTIAL DAY ONE SM FUNDS

PRUDENTIAL DAY ONE SM FUNDS PRUDENTIAL DAY ONE SM FUNDS Preparing for the first day of retirement, and all the days thereafter with target date funds Prudential Day One Funds are offered through Prudential Retirement Insurance and

More information

Mount Holyoke College Defined Contribution Retirement Plan. Take control of your retirement. A guide to help you choose an investment portfolio

Mount Holyoke College Defined Contribution Retirement Plan. Take control of your retirement. A guide to help you choose an investment portfolio Mount Holyoke College Defined Contribution Retirement Plan Take control of your retirement A guide to help you choose an investment portfolio The Mount Holyoke College Defined Contribution Retirement Plan

More information

Determining Your Investor Risk Profile

Determining Your Investor Risk Profile Asset Allocation Risk Profile Questionnaire Determining Your Investor Risk Profile Accumulate Grow your wealth while managing risk. Plan Protect Access NOT A DEPOSIT NOT FDIC INSURED NOT GUARANTEED BY

More information

Target-date strategies: Putnam Retirement Advantage Funds

Target-date strategies: Putnam Retirement Advantage Funds Target-date strategies: Retirement Advantage Funds Q3 17 Retirement Advantage Funds Featuring a distinctive glide path to pursue better risk-adjusted returns for retirement investors. For dealer use only.

More information

BlackRock. 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 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 information

Investment Management Philosophy

Investment Management Philosophy Investment Management Philosophy Executive Overview The investment marketplace has grown increasingly complex and unpredictable for individual investors. This reality may make it difficult for many people

More information

Empowering employees with Advice Access

Empowering 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 information

Mount Holyoke College Defined Contribution Retirement Plan. A guide to Asset Allocation

Mount Holyoke College Defined Contribution Retirement Plan. A guide to Asset Allocation Mount Holyoke College Defined Contribution Retirement Plan A guide to Asset Allocation The Mount Holyoke College Defined Contribution Retirement Plan (Plan) is designed to help you save and invest money

More information

UMA Model Portfolios Professional Advice for Your Unified Managed Account

UMA 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 information

taking control of my future

taking control of my future variable annuity taking control of my future Retirement Cornerstone variable annuity Variable Annuities: Are Not a Deposit of Any Bank Are Not FDIC Insured Are Not Insured by Any Federal Government Agency

More information

JPMorgan SmartRetirement Blend Funds

JPMorgan SmartRetirement Blend Funds NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE JPMorgan SmartRetirement Blend Funds Class R6 shares are only available through a retirement plan; other share classes are available Simplify the path

More information

MANAGE PORTFOLIO VOLATILITY THROUGH DYNAMIC ASSET ALLOCATION

MANAGE PORTFOLIO VOLATILITY THROUGH DYNAMIC ASSET ALLOCATION QS Legg Mason Dynamic Multi-Strategy VIT Portfolio Share class (Symbols): Class I (QDMSIX/52467M793), Class II (QDMSTX/52467M785) MANAGE PORTFOLIO VOLATILITY THROUGH DYNAMIC ASSET ALLOCATION A portfolio

More information

ONcore Variable Annuities

ONcore Variable Annuities ONcore Variable Annuities Plan Accumulate Protect Access Table of Contents 2 Plan Overcome Risk Through Planning 6 Accumulate Accumulate Wealth and Manage Risk Using ONcore Variable Annuities 8 Protect

More information

Invest now to help make your retirement dreams a reality

Invest now to help make your retirement dreams a reality Invest now to help make your retirement dreams a reality What s inside The sooner you start, the better off you ll be... 1 Chart your path to a comfortable retirement.... 2 Why Vanguard?... 5 Choose the

More information

Investor Guide RiverSource Strategic Allocation Fund

Investor Guide RiverSource Strategic Allocation Fund Investor Guide RiverSource Strategic Allocation Fund Professional asset allocation, disciplined investment approach. Insightful Solutions for Today s Investor. Your life shouldn t revolve around your investments.

More information

City of San José Deferred Compensation Plan Overview D EF ER R ED C OMPE NSATION PLAN PLAN SAVE GROW

City of San José Deferred Compensation Plan Overview D EF ER R ED C OMPE NSATION PLAN PLAN SAVE GROW www.voyaretirementplans.com/custom/sanjose City of San José Deferred Compensation Plan Overview D EF ER R ED C OMPE NSATION PLAN PLAN SAVE GROW You should consider the investment objectives, risks, and

More information

Target-Date Funds: Not as Simple as Set It and Forget It

Target-Date Funds: Not as Simple as Set It and Forget It Target-Date Funds: Not as Simple as Set It and Forget It This article includes checklists for issues defined contribution plan sponsors must address under new disclosure rules as part of their due diligence

More information

YIELD SELECT. Strategy Overview ASSET MANAGEMENT

YIELD SELECT. Strategy Overview ASSET MANAGEMENT YIELD SELECT Strategy Overview ASSET MANAGEMENT THE SELECT STRATEGIES Balancing the Need for Income and Growth The path to establishing financial security for retirement can take many routes. How much

More information

Investment Guide. Explore new possibilities for diversified investing. MEMBERS Life Insurance Company

Investment Guide. Explore new possibilities for diversified investing. MEMBERS Life Insurance Company M E M B E R S H O R I Z O N Guide Explore new possibilities for diversified investing MEMBERS Life Insurance MHA-1449442 NOT FDIC/NCUA/NCUSIF INSURED NOT BANK OR CREDIT UNION GUARANTEED MAY LOSE VALUE

More information

FundSource. Professionally managed, diversified mutual fund portfolios. A sophisticated approach to mutual fund investing

FundSource. 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 information

Let s Talk About: Leaving a Lasting Legacy ANNUITIES. Your future. Made easier. SM

Let s Talk About: Leaving a Lasting Legacy ANNUITIES. Your future. Made easier. SM Let s Talk About: Leaving a Lasting Legacy ANNUITIES Your future. Made easier. SM Let s talk What is an annuity? Annuities are long-term insurance contracts designed for investing for retirement. They

More information

Early on, your needs were simple. The memory of

Early on, your needs were simple. The memory of Client Guide Early on, your needs were simple. The memory of investing your first hard-earned dollars is etched in your mind. As you established yourself and began to experience success, your needs changed.

More information

LIFETIME WEALTH PORTFOLIOS

LIFETIME WEALTH PORTFOLIOS LIFETIME WEALTH PORTFOLIOS LIFETIME WEALTH PORTFOLIOS Investment Philosophy BRINKER CAPITAL LIFETIME WEALTH PORTFOLIOS SM SUB-ADVISERS ARE PRE- SCREENED INVESTMENT EXPERTS PROVIDING MARKET INSIGHT, ANALYSIS

More information

Sophisticated investments. Simple to use.

Sophisticated investments. Simple to use. TARGET DATE STRATEGY FUNDS Sophisticated investments. Simple to use. INVESTED. TOGETHER. Now your default option can be your best option. If your target date funds are projected to be the majority of your

More information

See Target Date Solutions FROM A WHOLE NEW PERSPECTIVE

See Target Date Solutions FROM A WHOLE NEW PERSPECTIVE See Target Date Solutions FROM A WHOLE NEW PERSPECTIVE Let s face it: These days, the retirement landscape is getting increasingly more complex. Participants are living longer. New fiduciary realities

More information

Stay on Track with TARGET

Stay on Track with TARGET Stay on Track with TARGET Whether you re spending time with your family or focusing on your career, your time is valuable. The time you spend searching for that hot dot or keeping abreast of market events

More information

A portfolio that matches your plans.

A 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 information

STRATEGIC. Sophisticated investments. Simple to use. Target Date Strategy Funds. russellinvestments.com

STRATEGIC. Sophisticated investments. Simple to use. Target Date Strategy Funds. russellinvestments.com STRATEGIC Sophisticated investments. Simple to use. Target Date Strategy Funds russellinvestments.com Finding the right target date fund options is key. If your target date funds are projected to be the

More information

SanJose.beready2retire.com. City of San José Deferred Compensation. Plan Overview DEFER R ED CO MPENSATION PLAN PLAN SAVE GROW

SanJose.beready2retire.com. City of San José Deferred Compensation. Plan Overview DEFER R ED CO MPENSATION PLAN PLAN SAVE GROW SanJose.beready2retire.com City of San José Deferred Compensation Plan Overview DEFER R ED CO MPENSATION PLAN PLAN SAVE GROW Having the income you need in your later years may require careful planning

More information

No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency

No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency Understanding annuities An Overview for Your Retirement No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency 2/15 13096-15A Contents Get Ready

More information

Early on, your needs were simple. The memory of

Early on, your needs were simple. The memory of Client Guide Early on, your needs were simple. The memory of investing your first hard-earned dollars is etched in your mind. As you established yourself and began to experience success, your needs changed.

More information

S E P A R A T E L Y M A N A G E D A C C O U N T S

S E P A R A T E L Y M A N A G E D A C C O U N T S S E P A R A T E L Y M A N A G E D A C C O U N T S Member FINRA/SIPC You can never cross the ocean until you have the courage to lose sight of the shore Christopher Columbus A PERSONALIZED PORTFOLIO FOR

More information

RSPP Exp 1/23/2019. Transition. Magellan Health, Inc. Retirement Savings Plan. Place client logo here

RSPP Exp 1/23/2019. Transition. Magellan Health, Inc. Retirement Savings Plan. Place client logo here 0286146-00002-00 Exp 1/23/2019 RSPP470 Transition Presented by Daniel Dionne. CRC Place client logo here Magellan Health, Inc. Retirement Savings Plan This presentation is intended to provide information

More information

PLANNING FOR THREE BIG RISKS TM IN RETIREMENT

PLANNING FOR THREE BIG RISKS TM IN RETIREMENT An Investment Strategy with the Objective of Providing Inflation-Adjusted Income for Life. PLANNING FOR THREE BIG RISKS TM IN RETIREMENT TIMING RISK INFLATION RISK LONGEVITY RISK Copyright 2016 Wealth2k,

More information

EXPERTLY DESIGNED. CONTINUALLY FINE-TUNED.

EXPERTLY 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 information

PRUDENTIAL PREMIER INVESTMENT VARIABLE ANNUITY. With Premier Investment:

PRUDENTIAL PREMIER INVESTMENT VARIABLE ANNUITY. With Premier Investment: PRUDENTIAL PREMIER INVESTMENT VARIABLE ANNUITY With Premier Investment: Clients can benefit from tax advantages, including tax deferral and tax-free transfers An innovative pro-growth fee structure can

More information

#2 DECIDE HOW TO INVEST

#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 information

Important Information About Your Investments

Important Information About Your Investments Primerica Advisors Important Information About Your Investments This brochure contains important information about investing with Primerica, Inc., a financial services company whose stock is traded on

More information

JPMorgan SmartRetirement Funds

JPMorgan SmartRetirement Funds NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE JPMorgan SmartRetirement Funds Class R6 shares are only available through a retirement plan; other share classes are available Simplify the path to retirement

More information

Measuring Retirement Plan Effectiveness

Measuring Retirement Plan Effectiveness T. Rowe Price Measuring Retirement Plan Effectiveness T. Rowe Price Plan Meter helps sponsors assess and improve plan performance Retirement Insights Once considered ancillary to defined benefit (DB) pension

More information

Target Date Glide Paths: BALANCING PLAN SPONSOR GOALS 1

Target Date Glide Paths: BALANCING PLAN SPONSOR GOALS 1 PRICE PERSPECTIVE In-depth analysis and insights to inform your decision-making. Target Date Glide Paths: BALANCING PLAN SPONSOR GOALS 1 EXECUTIVE SUMMARY We believe that target date portfolios are well

More information

PNC Target Date Funds. Making Saving for Retirement Simpler for You

PNC 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 information

Schwab Target Date Funds. So you can enjoy today We help you invest for your future

Schwab Target Date Funds. So you can enjoy today We help you invest for your future Schwab Target Date Funds So you can enjoy today We help you invest for your future Schwab Target Date Funds All-in-one portfolio solution. More time for you. Schwab Target Date Funds are diversified mutual

More information

Continuum Target Date Funds An easy way to save for retirement

Continuum Target Date Funds An easy way to save for retirement Continuum Target Date Funds An easy way to save for retirement Continuum Target Date Funds An easy way to save for retirement Investing in your retirement dreams has never been easier with Continuum Target

More information

BUILDING YOUR FINANCIAL FUTURE

BUILDING YOUR FINANCIAL FUTURE BUILDING YOUR FINANCIAL FUTURE There s a lot riding on the choices you make regarding your financial future. You work with a Financial Advisor because you appreciate the value of expertise, training and

More information

Transition to a lifetime of financial security.

Transition to a lifetime of financial security. A Variable Annuity Guide for Individuals Transition to a lifetime of financial security. MassMutual Transitions Select SM variable annuity Financial security starts with good decisions Your future financial

More information

Take control. Help your clients understand the role of risk control in a portfolio A GUIDE TO CONDUCTING A RISK CONTROL REVIEW

Take control. Help your clients understand the role of risk control in a portfolio A GUIDE TO CONDUCTING A RISK CONTROL REVIEW A GUIDE TO CONDUCTING A RISK CONTROL REVIEW Take control Help your clients understand the role of risk control in a portfolio MGA-1658740 FOR REGISTERED REPRESENTATIVE USE ONLY. NOT FOR USE BY THE GENERAL

More information

Brokerage Management Platform

Brokerage Management Platform Brokerage Management Platform Client Focused Investment Solutions Research Driven Risk Monitored Investing Made Simple Professional Investment Management for all your investment needs and goals. BM012016

More information

Building the right investment approach to help employees become retirement ready

Building the right investment approach to help employees become retirement ready to help employees become retirement ready Does your plan meet today s higher standards for generating favorable retirement outcomes? As a plan fiduciary, it s critical to work with the right retirement

More information

CHOOSING YOUR INVESTMENTS. Research Corporation of the University of Hawai'i

CHOOSING YOUR INVESTMENTS. Research Corporation of the University of Hawai'i CHOOSING YOUR INVESTMENTS Research Corporation of the University of Hawai'i FOR ASSISTANCE CONTACT US TODAY FOR MORE INFORMATION, ADVICE OR HELP OPENING AN ACCOUNT, IT S EASY TO REACH US: BY PHONE Call

More information

With Scholar s Edge, New Mexico s 529 College Savings Plan, You Can Get an Edge When You Save for College.

With Scholar s Edge, New Mexico s 529 College Savings Plan, You Can Get an Edge When You Save for College. With Scholar s Edge, New Mexico s 529 College Savings Plan, You Can Get an Edge When You Save for College. Table of Contents Edge 1 A 529 Plan that s almost as smart as your child Edge 2 Potentially save

More information

NEW SOURCES OF RETURN SURVEYS

NEW SOURCES OF RETURN SURVEYS INVESTORS RESPOND 2005 NEW SOURCES OF RETURN SURVEYS U.S. and Continental Europe A transatlantic comparison of institutional investors search for higher performance Foreword As investors strive to achieve

More information

What Matters Most. The Case for Active. Risk Management

What Matters Most. The Case for Active. Risk Management What Matters Most The Case for Active Risk Management Investors Know Their Priorities The first priority is usually I don t want to lose my money. This would probably explain why risk management featured

More information

Franklin Templeton 403(b) Plan EMPLOYEE S GUIDE

Franklin Templeton 403(b) Plan EMPLOYEE S GUIDE Franklin Templeton 403(b) Plan EMPLOYEE S GUIDE Franklin Templeton 403(b) Plan Roadmap to Retirement As an employee of a public school, church, hospital or other non-profit organization, 1 you have a unique

More information

What 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. 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 information

Strategies for staying on track to your retirement

Strategies for staying on track to your retirement Strategies for staying on track to your retirement TIAA-CREF and you: Planning an income for life For more than 90 years, we at TIAA-CREF have dedicated ourselves to helping those who serve the greater

More information

SEPARATELY MANAGED ACCOUNTS

SEPARATELY MANAGED ACCOUNTS Offering Guide Leadership and Innovation SEPARATELY MANAGED ACCOUNTS Today s complex markets require different approaches ones that can provide greater financial freedom, active management and tax control.

More information

Get an advantage for your retirement. Voya Select Advantage IRA Mutual Fund Custodial Account

Get an advantage for your retirement. Voya Select Advantage IRA Mutual Fund Custodial Account Get an advantage for your retirement Voya Select Advantage IRA Mutual Fund Custodial Account Life brings change You have your own unique vision for what your life will hold. Whether you re switching jobs

More information

Added choice under your 457(b) plan.

Added choice under your 457(b) plan. Added choice under your 457(b) plan. Roth 457: An opportunity for tax-free* retirement income. *Qualifying conditions apply. The Roth 457(b) contribution option. You should consider the investment objectives,

More information

ANNUITIES VARIABLE. MetLife Retirement Perspectives. asset allocation questionnaire

ANNUITIES VARIABLE. MetLife Retirement Perspectives. asset allocation questionnaire ANNUITIES VARIABLE MetLife Retirement Perspectives asset allocation questionnaire Asset Allocation Questionnaire The following questions will enable you to determine your time horizon and risk tolerance

More information

TARGET DATE FUNDS: LOOK LONG AND HARD

TARGET DATE FUNDS: LOOK LONG AND HARD MFS White Capability Paper Series Focus Month July 2017 2012 Authors TARGET DATE FUNDS: LOOK LONG AND HARD Ryan Mullen MFS Senior Managing Director, Head of Defined Contribution Investments Peter A. Delaney,

More information

TRANSAMERICA FREEDOM ELITE BUILDER II TFLIC FREEDOM ELITE BUILDER II

TRANSAMERICA FREEDOM ELITE BUILDER II TFLIC FREEDOM ELITE BUILDER II TRANSAMERICA FREEDOM ELITE BUILDER II TFLIC FREEDOM ELITE BUILDER II INVESTMENT OPTIONS GUIDE Your decision to purchase a variable universal life (VUL) insurance policy is an important one. You work hard

More information