flexpath vs. Vanguard Target Retirement

Similar documents
plan investment review performance summary

plan investment review performance summary

2017 Assessment of SUNY Retirement Plan Fees (sorted by fund category)

2017 Assessment of SUNY Retirement Plan Fees (sorted by investment provider)

2017 Assessment of SUNY Retirement Plan Fees (sorted by fee)

See the following page for important information about your plan investments.

The Looming Liability of Target Date Funds

Security Benefit Advisor Mutual Fund Program

Returns Analysis Performance as of 9/30/2018

CCOERA Target Date Funds. Here is an example of how a CCOERA Target Date Fund will change over time. AGGRESSIVE TO CONSERVATIVE. bonds stocks 56% 71%

WHEREAS, at its meeting on December 14, 2017, the Board adopted a strategy and a manager for the NC TIPS Fund;

CCOERA Target Date Funds

Morningstar Direct SM U.S. Open-End Asset Flows Update

City of Los Angeles. Performance Evaluation Report. Deferred Compensation Plan. First Quarter 2016 Flash Report

Schwab OneSource Choice - Return of Premium Death Benefit Investment Performance as of 11/30/2018

TRANSITION OF THE NAPA PROFIT SHARING PLANS TO PRUDENTIAL RETIREMENT: NOTICE OF BLACKOUT PERIOD AND INVESTMENT CHANGES

Retirement Redesign Decision Guide SPRING 2018

457 Plan Investment Design

Cleveland Clinic Investment Pension Plan (IPP) imagine inspire invest. Your guide to getting started. We believe in your future financial wellbeing

PCL Construction Enterprises, Inc Investment Performance as of 02/28/2018

North Carolina Supplemental Retirement Plans. Performance Review First Quarter 2017

Special Notice and Plan Overview

Investment Option Monitor Report

Investment Option Performance

Sample Portfolio. Bret R. Tackett, MS, CFP 304 W. Venice Ave, Suite 218 Venice, FL /13/2009 through 9/30/2013 Portfolio Review

Effective on or about August 24, 2018, the following fund renaming occurred in the Schwab Advisor Choice Variable Annuity:

RCN Cable Retirement Savings Plan Plan Code: RCNG-001 Product Name: Lincoln Alliance program

R E T I R E M E N T P L A N S. Due Diligence Report

Fund Flows Monthly Market Summary: US Open-end ex MM ex FoF

Step 1: RISK TOLERANCE QUESTIONNAIRE

UC Retirement Savings Program Investment Performance and Program Review as of June 30, 2017

ReliaStar Life Insurance Company

AXA Equitable Retirement Gateway Fund Performance as of 07/31/2018

TARGET FOCUS SAVE Fact Sheets CCOERA TARGET DATE FUNDS. Here is an example of how a CCOERA Target Date Fund will change over time.

Trade Log Tactical Allocation

TEL FAX cookstreetconsulting.com

Target-date fund trends and innovation. For institutional use only. Not for distribution to retail investors.

The industry s largest underlying fund line-up. All the choice you need to manage tax-deferred assets in today s rapidly changing markets.

Your Retirement. Plan smart.

Duquesne University Plans Available Investment Options Report For Periods Ending September 30, 2017

LCEC Retirement Plan Oversight and Performance Update. March 17, 2016

Morningstar Direct SM U.S. Open-end Asset Flows Update

Category: Moderate Aggressive 9/30/2018

INVESTING YOUR HSA MAXIMIZE. your POTENTIAL. Convenient investment options HealthEquity All rights reserved.

RiverSource RAVA 5 Advantage variable annuity - New York

CUSIP SECURITY DESCRIPTION % of Total

Intelligent Life Variable Universal Life Insurance Intelligent Life Survivorship Variable Universal Life Insurance

Dear Participant: Please refer to Part IV of the attached document for information on who to call with questions.

F U N D E V A L U A T I O N R E P O R T

RiverSource RAVA 5 Advantage variable annuity

TRANSITION OF THE WIPRO LIMITED 401(K) PLAN TO PRUDENTIAL RETIREMENT: NOTICE OF BLACKOUT PERIOD AND INVESTMENT CHANGES

Morningstar Direct SM U.S. Open-End Asset Flows Update

457 Deferred Compensation Plan

Gannon University Defined Contribution Plans

saving : investing : planning

The industry s largest underlying fund line-up. All the choice you need to manage tax-deferred assets in today s rapidly changing markets.

The industry s largest underlying fund line-up. All the choice you need to manage tax-deferred assets in today s rapidly changing markets.

Quarterly Investment Review

Age Sage. What s inside the box? A look behind the curtain. IRAs, 401(k)s, Other Retirement Assets

LOOKING FORWARD TO RETIREMENT.

RiverSource Variable Universal Life 5 - New York

RiverSource Variable Second-to-Die Life Insurance

RiverSource RAVA 5 Select variable annuity

RiverSource Retirement Advisor Variable Annuity

Disclosure Documents Under Section 404(a)(5) of ERISA for Transamerica Retirement Plan Services Plan Name

Your guide to upcoming changes to your 401(k) Plan Farm Credit Foundations Defined Contribution/401(k) Plan

RiverSource Variable Universal Life III

RiverSource Variable Second-to-Die Life Insurance - New York

TD Ameritrade Trust Company Collective Investment Funds for Employee Benefit Plans Retirement Advocate Funds. Financial Reports May 31, 2017

ACE USA Employee Retirement Savings Plans

General Amendment To Be Attached To and Read as. Part of the Group Annuity Contract. Issued By

ENROLLMENT GUIDE. Creating real-world retirement strategies for real people

Morningstar Direct SM U.S. Open-End Asset Flows Update

Investment Options. Selecting the Right Retirement Plan Investments

MANAGED PORTFOLIO SERVICE

ERISA 404 Retirement Plan and Investment Information

Annual Participant Fee Disclosure

Fund Family Prospectuses

Annual Participant Fee Disclosure - Supplement

Morningstar Direct SM U.S. Open-End Asset Flows Update

General Amendment To Be Attached To and Read as. Part of the Group Annuity Contract. Issued By

Department Name Department Location Location Code

Schwab OneSource Variable Annuity New York Investment Performance as of 12/31/2018

Duquesne University Plans Available Investment Options Report For Periods Ending September 30, 2016

State Universities Retirement System of Illinois (SURS) Investment Update

Security Life of Denver Insurance Company

United of Omaha Life Insurance Company Companion Life Insurance Company mutual of omaha retirement services

Dear Participant: Please refer to Part IV of the attached document for information on who to call with questions.

Menu of Available Investment Options As of

Investment Worksheet. FlexChoice Access. A VA Rider ANNUITIES VARIABLE

RiverSource RAVA 5 Advantage variable annuity

Fund Family Prospectuses

ReliaStar Life Insurance Company

Maximize your savings

University of Southern California Hospital 401(k) Retirement Plan

RiverSource Variable Universal Life - New York

RiverSource RAVA 5 Select variable annuity

RiverSource RAVA 5 Advantage variable annuity - New York

RiverSource Variable Universal Life IV, RiverSource Variable Universal Life IV Estate Series (ES)

Variable Annuity Contracts

Transcription:

flexpath vs. Vanguard Target Retirement Average Scores Vanguard flexpath Index 9.0 9.4 3(38) Investment Manager with IPS Vanguard No flexpath Yes Number Asset Classes Vanguard flexpath 4 7 Vanguard Average Cost flexpath Index 0.17% 0.22% 1

flexpath Index Underlying Scores Asset Class Fund Score US Large Cap Equity BlackRock Index Equity 10 US Small Cap Equity BlackRock Extended Equity Market 8 International Equity BlackRock MSCI ACWI ex-u.s. IMI Index 8 US Fixed Income BlackRock US Debt Index 10 Commodities BlackRock Commodity Index Daily 10 REIT BlackRock Developed Real Estate Index 9 TIPS BlackRock U.S. TIPS Index 10 2

flexpath Index+ Underlying Scores US Large Cap Equity US Small Cap Equity International Equity US Fixed Income Commodities REIT Asset Class Fund Score BlackRock Russell 1000 Index 10 JPMorgan Disciplined Equity R6 10 American Beacon Bridgeway Lg Cp Val Inst 10 T. Rowe Price Instl Large Cap Growth 9 BlackRock Russell 2000 Index 10 Principal Small Cap Value 10 Hartford Small Cap Growth 10 DFA US Micro Cap 8 BlackRock MSCI ACWI ex-u.s. IMI Index 8 BMO Pryford International Stock 9 Artisan International 10 Oakmark International 8 Goldman Sachs Int l Small Cap 9 Fidelity International Small Cap 10 BlackRock US Debt Index 10 Janus Flexible Bond 9 Prudential Total Return Bond 9 Neuberger Berman Strategic Income 9 BlackRock Commodity Index Daily 10 DWS Enhanced Commodities 9 BlackRock Global Developed Real Estate Index 9 Principal Developed Real Estate Index 10 TIPS BlackRock U.S. TIPS Index 10 3

Vanguard Underlying Scores Asset Class Fund Score US Large Cap Equity Vanguard Total Stock Mkt Index Inv 10 International Equity Vanguard Total Intl Stock Index Inv 7 US Fixed Income Vanguard Total Bond Market II Idx Inv 10 Global Fixed Income Vanguard Total Intl Bd Idx Investor - (Scores are based f the 3/31/15 RPAG Scorecard System Scores. No Score indicated that the asset class is not scored in the Scorecard System) 4

Vanguard Target Retirement vs. flexpath Underlying Fund Scores Vanguard flexpath Index flexpath Index+ Average Fund Score 9.0 9.3 9.4 # Money Managers 1 1 16 # Scoring Watchlist (0-6) 0 0 0 5

Vanguard Target Retirement vs. flexpath Fees Vanguard flexpath Index flexpath Index+ Average Expense Ratio 0.17% 0.22% 0.50% 6

Vanguard Target Retirement vs. flexpath Glidepath Data Product Name TDF Design Equity (Approx.) Roll Down Exposure at Age 65 Investment Type Starting Eq Ending Eq Begin End flexpath Conservative Conservative 99% 30% 25 65 30% flexpath Moderate Moderate 99% 40% 30 65 40% flexpath Aggressive Aggressive 99% 50% 35 65 50% Vanguard Target Retirement Aggressive 90% 30% 40 73 50% Openarchitecture Openarchitecture Openarchitecture Proprietary, no 3(38) 7

Vanguard Target Retirement vs. flexpath Glidepath Graphic 100 TDF Glide Path Comparison 80 Approximate Equity Exposure (%) 60 40 20 0 50 45 40 35 30 25 20 15 10 5 0-5 -10-15 -20-25 -30 Years until retirement Retirement Years after retirement Vanguard Target Retirement flexpath Aggressive Index flexpath Aggressive Index+ flexpath Conservative Index flexpath Conservative Index+ flexpath Moderate Index flexpath Moderate Index+ 8

Disclosures An investor should carefully consider the investment objectives, risks, charges and expenses carefully before investing. 9