Age Sage Age Sage Themature MatureRobo Robo Analyst The advisor IRAs, 401(k)s, Other Retirement Assets What s inside the box? A look behind the curtain.
A Look Behind the Solution Curtain: Patented Target Date Fund Design is Best-in-Class Easy V-shaped glidepaths protect against sequence of return risk Three different risk choices Broad diversification Low fees Investor takes precedence over profits Proven 10 year track record 2
3 Simple Questions Produce an Important Low Cost Answer (1) When do you plan to retire? Month & year If you ve already retired, enter the date you retired. (2) Risk Preference? Defensive/Conservative (Recommended) Moderate/Average Aggressive/Growth (3) Funds? Lowest Cost (recommended) Schwab Vanguard Fidelity ESG: Environmental, Social and Governance Answer: Representative Portfolio 3
% Equity Three Glide Paths: Choose Your Risk Risk Has Different Meanings for Different Ages 100 90 80 Aggressive Risk Zone See V Shape 70 60 Average IRA Account 50 40 30 Patented Safe Landing Glide Path is Defensive There is no other glide path like it it s unique. Moderate 20 10 See Patent 0 20 30 40 50 60 70 80 90 Age 4 120
Setting the Standard By Raising the Bar The de facto Standard Vanguard Target Date Fund Lowest Cost: less than Vanguard More Diversified Much Safer at the Target Date Bounce Path Patented Safe Landing Glide Path Through fund ending 50% in equity and declining to 40% ten years beyond Source: PIMCO Glidepath Analyzer 5
Invest Your Age Vanguard Fidelity Index TIAA-CREF PIMCO RealPath Blend SMART Index - Hand B&T Wells Fargo Fidelity PIMCO RealPath BMO John Hancock Ret Choice Harbor Schwab T Rowe Price USAA JP Morgan Principal Nationwide Allianz John Hancock Ret Living Russell Mainstay American Funds Great West L3 American Century Mass Mutual Blackrock Living Thru Blackrock Great West L1 DWS Alliance Bernstein MFS Great West L2 Putnam Manning & Napier Franklin LifeSmart Franklin Templeton Invesco Voya Hartford State Farm Guidestone Legg Mason Age Sage is a Do-it-Yourself Target Date Fund (TDF) that at Less Than 3 Basis Points is About 1/5 th the Fee of the Least Expensive TDF Mutual Fund 160 140 120 100 80 60 Target Date Mutual Fund Fees in Basis Points 53 63 65 68 69 71 73 117119121 110 110111113 79 80 82 86 89 90 91 92 92 93 95 96 97 98 98 99 100101102102105105 139 40 20 8 15 16 21 28 34 0 Source: Morningstar Save Money 6
The Other Low Fee Invest-Your-Age Solutions are $50 Each or Less 7
Warning: Target Date Funds Can be Hazardous to Your Wealth Risky Glidepath Risky Glidepath Target Date Funds Cigarette Smoking is Hazardous to Your Health Typical Target Date Fund Designed to maximize fund company profits. Excessive risk at the target date Lost 30% in 2008, and risk has increased since 40-60% in equities, balance in risky bonds High Fees, ranging from 15 bps to 120 bps Undiversified, concentrated in U.S. Stocks To or Through glide path Target Date Funds Can Be Hazardous to Your Wealth Age Sage Designed to benefit investors Less than 10% in equities at the target date for the Conservative glide path Under 8 bps Global stocks, Global bonds, Real Estate, TIPS, etc To-and-Through 8
Live Track Record Starts in 2008 Click here: SMART Fund Target Date Fund Index 9
The Models The patent Asset allocation explains 100% of performance More than 12,500 models, each using 7 representative low-cost funds You can choose your own funds 10
Target Date Solutions Patented Safe Landing Glide Path Unique Investment Structure: Patent 8352349 Integrates 2 Nobel prize (1990) winning discoveries with principles of modern finance The Capital Market Line. Dr. William F. Sharpe won a Nobel Prize for it. Liability Driven Investing (LDI) guides the allocation along the line. Liability is current account balance. Lose no $. Higher Return, Less Risk US Stocks & Bonds The Risky Portfolio is extremely well-diversified: World Portfolio moves Efficient Frontier up & to the left. Dr. Harry Markowitz won the Nobel Prize for the Efficient Frontier. Risk Risk Return
Asset Allocation is King: It Explains 100% of Performance 12
Our Robust Family of Age-and-Risk Based Models Monthly models scanning 70 years from age 20 to age 90 840 models per Risk Preference 3 Risk preferences: 3 X 840 = 2,520 5 Fund Family Choices: 5 X 2,520 = 12,600 Models Every model consists of 7 passive funds that cost less than 8 basis points in total. See What Investors Really Want From Their Financial Advisors 13
Our 7 Representative Funds Are the Lowest cost ETFs You Decide Which Funds You Actually Use Equities Bonds Safe (1) US Stocks (4) US Bonds (6) Short term Treasuries (2) Foreign Stocks (5) Foreign Bonds (7) Shortintermediate TIPS (3) Real Estate DOL Fiduciary Standards Favor Low Cost Each Solution is Uniquely Yours 14
Very Broad Diversification for a Very Low Price You pay less than.03%, far less than the 1%+ fee charged by other global multi-asset funds 15
Summary 16
Benefits: Easy, Low Cost, Unique, On Target 17
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