The article discusses the ways on how to modify a target-date fund for income-oriented portfolio in the U.S. One way to customize such fund is for the investor to identify first is the fund is bond-heavy through the use of the average 2010 fund's 45% bond allocation as a reference....
Manulife Retirement Date 2060 Fund Manulife Retirement Date Income Fund Ourinvestmentteam James Robertson, CIM Senior Portfolio Manager, Head of Asset Allocation–Canada, and Global Head of Tactical Asset Allocation, Multi-Asset Solutions, Manulife Investment Management ...
Target-date funds may benefit investors who want to take a hands-off approach to their retirement, at least when it comes to managing their investments. They may also be a smart move for people who are inclined to frequently change their fund allocation inside their 401(k). Target-date fund...
A target-date fund’s portfolio mix of assets and degree of risk become more conservative as it approaches its objective target date. Higher-risk portfolio investments typically include domestic and global equities. Lower risk portions of a target-date portfolio typically include fixed-income investmen...
"If your preference is to have full transparency into each position you own, a target date fund might not be the best option," Morandi says. What’s more, some people may not need an investment strategy that gets more conservative over time. "If you have a source of additional income, ...
plan for putting your money to work after you leave the workforce. After the fund reaches its target date, it shifts to a retirement fund. At that point, consider keeping some of the money in the fund while allocating some cash toward other investments to earn regular income from your ...
How do target date funds work? Target dates funds make it easy to navigate towards retirement by managing investments over time. But you wouldn’t put a plane on autopilot without there being a good plan in place first. In a managed fund like a TDF, a portfolio manager will make trades ...
At that point, the fund will either maintain its conservative, income-generating mix of investments, or it will merge into a fund with a similarly risk-averse investment strategy. Who are target-date funds for? Target-date funds are popular with investors who have a long-term goal of gradual...
magnify investment risks, and cause losses to be realized more quickly. No target date fund is considered a complete retirement program and there is no guarantee any single fund will provide sufficient retirement income at or through retirement. Principal invested is not guaranteed at any time, inc...
BlackRock LifePath Target Date Funds can make it easy for people looking to save for retirement to potentially maximize their future retirement income.