Text on screen: Why personalized Target Date Funds Matter
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Text on screen: Philip Chao, Founder & CEO, Nexus338
Chao: My name is Philip Chao. I'm the founder and I'm the CIO for a firm by the name of Nexus 338.
Text on screen: Julie Doran Stewart, Head of Fiduciary Advisory Services, Sentinel Group
Stewart: My name is Julie Doran Stewart. I lead the fiduciary advisory services team for Sentinel Group.
Images on screen: Phone scrolling, map gps, tablet shopping
Everything in the world these days is personalized and I think that that extends certainly to the retirement plan landscape. So participants are starting to demand personalization in everything that they do.
Historically investments have been sort of one size fits all.
And you know, with a move towards traditional target date funds looking at a one factor solution that being age we believe that there's more opportunity for positive outcomes for retirement plan participants if we further customize solutions.
Text on screen: TITLE – A more precise QDIA that evolves as participant inputs change; SUBTITLE – Combining the elegant simplicity of a target date fund with the power of personalization; Slide comparing two retirement investment approaches: a single “one-size-fits-all” target date fund using average inputs versus a personalized, dynamic strategy using individual data, illustrated by line charts showing different equity allocation paths over time.
Traditional target date funds, we're using one factor to determine ultimately an asset allocation profile for a participant, when in fact there can be multiple variables that are going to more significantly impact that participant's particular scenario.
The essence of a personalized target date solution really seeks to take, you know, a number of factors that are specific to that person and create an asset allocation intended to mirror their life circumstances.
Text on screen: Philip Chao, Founder & CEO, Nexus338
Chao: You can't do something solely in the interest of if you don't know anything about that person.
Images on screen: Graphic showing a central data hub connected to multiple icons—such as salary, investments, settings, calendar, home, documents, and location—illustrating how diverse personal inputs feed into a personalized investment strategy.
Today we have the technology, we have the data, right?
And so, combining technology and data allows us for the first time in a scalable way to do the best that we can for each participant uniquely.
Text on screen: For more insights and information visit pimco.com/retirement
Text on screen: PIMCO
Disclosure
Past performance is not a guarantee or a reliable indicator of future results.
A word about risk: All investments contain risk and may lose value. Investing in the bond market is subject to risks, including market, interest rate, issuer, credit, inflation risk, and liquidity risk. The value of most bonds and bond strategies are impacted by changes in interest rates. Bonds and bond strategies with longer durations tend to be more sensitive and volatile than those with shorter durations; bond prices generally fall as interest rates rise, and low interest rate environments increase this risk. Reductions in bond counterparty capacity may contribute to decreased market liquidity and increased price volatility. Bond investments may be worth more or less than the original cost when redeemed. Mortgage and asset-backed securities may be sensitive to changes in interest rates, subject to early repayment risk, and their value may fluctuate in response to the market’s perception of issuer creditworthiness; while generally supported by some form of government or private guarantee there is no assurance that private guarantors will meet their obligations. Investing in foreign denominated and/or domiciled securities may involve heightened risk due to currency fluctuations, and economic and political risks, which may be enhanced in emerging markets. Sovereign securities are generally backed by the issuing government, obligations of U.S. Government agencies and authorities are supported by varying degrees but are generally not backed by the full faith of the U.S. Government; portfolios that invest in such securities are not guaranteed and will fluctuate in value. Inflation-linked bonds (ILBs) issued by a government are fixed-income securities whose principal value is periodically adjusted according to the rate of inflation; ILBs decline in value when real interest rates rise. Commodities contain heightened risk including market, political, regulatory, and natural conditions, and may not be appropriate for all investors. High-yield, lower-rated, securities involve greater risk than higher-rated securities; portfolios that invest in them may be subject to greater levels of credit and liquidity risk than portfolios that do not. Investing in securities of smaller companies tends to be more volatile and less liquid than securities of larger companies. Equities may decline in value due to both real and perceived general market, economic, and industry conditions. Derivatives and commodity-linked derivatives may involve certain costs and risks such as liquidity, interest rate, market, credit, management and the risk that a position could not be closed when most advantageous. Commodity-linked derivative instruments may involve additional costs and risks such as changes in commodity index volatility or factors affecting a particular industry or commodity, such as drought, floods, weather, livestock disease, embargoes, tariffs and international economic, political and regulatory developments. Investing in derivatives could lose more than the amount invested. The cost of investing in the Fund will generally be higher than the cost of investing in a fund that invests directly in individual stocks and bonds. Diversification does not ensure against loss.
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, 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. 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.
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