Retirement Runs on Income
Retirement Strategies for Changing Markets
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DC Consulting Study Insights: The Rise of Target Date Funds as a Retirement Income Solution
Explore why target date funds are increasingly repurposed for retirement income and how to assess their effectiveness in supporting retirees.
Starting portfolio yields may be a better guide to optimal spending than knowledge of future market returns.
PIMCO’s Active Investment Process
Our clients rely on an investment process that has been tested in virtually every market environment. Honed over 50 years, our process has helped millions of investors manage risk and pursue returns through every market environment.
Target date funds provide an asset allocation that changes over time based on the average participant’s savings profile, which can lead to suboptimal outcomes. myTDF® takes the simplicity of TDFs and adds the power of auto-personalization so that plan fiduciaries can seek to more closely align a participant's allocations with their individual circumstances.
myTDF represents an evolution of traditional target-date funds by incorporating up to five demographic factors beyond age in seeking to deliver a more personalized default asset allocation with the same ease as traditional TDFs.
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Disclosures
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.
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 is a trademark of Allianz Asset Management of America LLC in the United States and throughout the world.
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