Introducing the next generation in target date funds, myTDF®

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Meet myTDF® by PIMCO

myTDF adds the power of personalization to the simplicity of target date funds (TDFs) by considering five distinct participant data points - age, current salary, plan balance, employee contribution, and employer contribution match - to help determine a more precise allocation than using age alone. The result is a more personalized investment experience for participants on their journey to, and through, retirement.

myTDF is Designed to Be…

A More Precise QDIA, Simple, Easy, and Affordable.

For Plan Sponsors

  • Seamless plan integration and implementation

  • Helps to keep plan costs low while delivering a personalized retirement investing experience

For Participants

  • No effort enrollment; all five data points come directly from plan record keeper1

  • Low fees mean more savings go toward retirement

Personalizing a Participant's Path to Retirement

By going beyond age, myTDF delivers a customized retirement investment experience without additional work required from plan sponsors or participants1

Personalized allocations for every plan participant

myTDF offers a higher level of personalization by considering factors such as salary, account balance, contribution and match rate, in addition to age. This increased personalization seeks to ensure a more appropriate allocation for investors while maintaining the desired characteristics of traditional age-based TDFs

Personalized allocations for every plan participant
Sample for illustrative purposes only..SOURCE: Sample plan, PIMCO, Morningstar. The above information may be dated and should not be relied upon. Contact your PIMCO representative for current information.

Adding Value Through Personalization

Check out how myTDF affects the asset allocation for three different sample participant scenarios.

myTDF Scenario 1: Anna

Mid-Career Employee With Low Savings

Participant Assumptions: Personalized vs. Traditional

Assumptions on Mid-Career Employee With Low Savings

Mid-Career Employee With Low Savings

SOURCE: PIMCO. Sample for illustrative purposes only. Asset allocation based on PIMCO’s myTDF asset allocation optimization utilizing the PIMCO passive glide path. Off the shelf allocation based on PIMCO’s passive glide path’s nearest age based vintage. Personalized data is based on actual participant values. Traditional values are based on national averages source from EBRI. All providers use national averages but may source it from different data providers. Age based vintages are offered every 5 years beginning 2025 through 2060. Assumed age at retirement is 65. The above information may be dated and should not be relied upon. Contact your PIMCO representative for additional information on myTDF process mechanics.
myTDF Scenario 2: Juan

Seasoned, Late Career Employee With Ample Expected Retirement Savings

Participant Assumptions: Personalized vs. Traditional

Assumptions Seasoned, Late Career Employee With Ample Expected Retirement Savings
Seasoned, Late Career Employee With Ample Expected Retirement Savings
SOURCE: PIMCO. Sample for illustrative purposes only. Asset allocation based on PIMCO’s myTDF asset allocation optimization utilizing the PIMCO passive glide path. Off the shelf allocation based on PIMCO’s passive glide path’s nearest age based vintage. Personalized data is based on actual participant values. Traditional values are based on national averages source from EBRI. All providers use national averages but may source it from different data providers. Age based vintages are offered every 5 years beginning 2025 through 2060. Assumed age at retirement is 65. The above information may be dated and should not be relied upon. Contact your PIMCO representative for additional information on myTDF process mechanics.
myTDF Scenario 3: Janet

Retired Employee With Significant Retirement Savings

Participant Assumptions: Personalized vs. Traditional

Assumptions Retired Employee With Significant Retirement Savings
Retired Employee With Significant Retirement Savings
SOURCE: PIMCO. Sample for illustrative purposes only. Asset allocation based on PIMCO’s myTDF asset allocation optimization utilizing the PIMCO passive glide path. Off the shelf allocation based on PIMCO’s passive glide path’s nearest age based vintage. Personalized data is based on actual participant values. Traditional values are based on national averages source from EBRI. All providers use national averages but may source it from different data providers. Age based vintages are offered every 5 years beginning 2025 through 2060. Assumed age at retirement is 65. The above information may be dated and should not be relied upon. Contact your PIMCO representative for additional information on myTDF process mechanics.

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Meet myTDF Video Series

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myTDF - How the 5 factors affect asset allocation
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Meet myTDF - How the 5 Factors Affect Asset Allocation(video)

Meet myTDF - How the 5 Factors Affect Asset Allocation

By going beyond age and considering five demographic factors, myTDF aims to deliver a personalized default solution that’s as easy to use as traditional target date funds. Our latest video takes a closer look at the five factors myTDF uses and how they impact participant allocations.

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myTDF: Personalization Meets Simplicity
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Meet myTDF: A More Precise Path To and Through Retirement

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Get In Touch

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For more information and answers to your questions, please contact us.

Disclosures

1 No engagement is required on behalf of the participant when myTDF is the QDIA, and auto-enrollment is utilized

myTDF is a defined contribution or defined benefit plan solution that allows a plan participant to personalize their target date fund allocation across multiple vintages based on participant inputs using PIMCO proprietary funds.

myTDF is offered by Pacific Investment Management Company LLC, a registered investment adviser, and is intended for citizens and legal residents of the United States and its territories. Investment advice generated by myTDF is based on information provided and limited to the investment options available in the defined contribution or defined benefit plan. Projections and other information regarding the likelihood of various retirement income and/or investment outcomes are hypothetical in nature, do not reflect actual results, and are not guarantees of future results. Results may vary with each use and over time. myTDF may be covered by one or more U.S. or international patents.

Past performance is not a guarantee or a reliable indicator of future performance.

All investments contain risk and may lose value. There is no guarantee that these investment strategies will work under all market conditions or are appropriate for all investors and each investor should evaluate their ability to invest long-term, especially during periods of downturn in the market.

A Glide Path is the asset allocation within a Target Date Strategy (also known as a Lifecycle or Target Maturity strategy) that adjusts over time as the participant’s age increases and their time horizon to retirement shortens. The basis of the Glide Path is to reduce the portfolio risk as the participant’s time horizon decreases. Typically, younger participants with a longer time horizon to retirement have sufficient time to recover from market losses, their investment risk level is higher, and they are able to make larger contributions (depending on various factors such as salary, savings, account balance, etc.). Generally, older participants and eligible retirees have shorter time horizons to retirement and their investment risk level declines as preserving income wealth becomes more important.

Target Date Funds are designed to provide investors with a retirement solution tailored to the time when they expect to retire or plan to start withdrawing money (the "target date"). Target Date Funds will gradually shift their emphasis from more aggressive investments to more conservative ones based on their target dates. Target Date Funds invest in other funds and instruments based on a long-term asset allocation glide path developed by PIMCO, and performance is subject to underlying investment weightings, which will change over time. An investment in a Target Date Fund does not eliminate the need for an investor to determine whether a Fund is appropriate for his or her financial situation. An investment in a Fund is not guaranteed. Investors may experience losses, including losses near, at, or after the target date, and there is no guarantee that a Fund will provide adequate income at and through retirement.

PIMCO as a general matter provides services to qualified institutions, financial intermediaries and institutional investors. Individual investors should contact their own financial professional to determine the most appropriate investment options for their financial situation. This material contains the current opinions of the manager and such opinions are subject to change without notice. This material has been distributed for informational purposes only and should not be considered as investment advice or a recommendation of any particular security, strategy or investment product. Information contained herein has been obtained from sources believed to be reliable, but not guaranteed. No part of this material may be reproduced in any form, or referred to in any other publication, without express written permission. PIMCO and myTDF are trademarks of Allianz Asset Management of America LLC in the United States and throughout the world. Pacific Investment Management Company LLC, 650 Newport Center Drive, Newport Beach, CA 92660, 800-387-4626. ©2023, PIMCO

CMR2023-1004-3151227