Securing wealth in retirement

We define success for a glide path based on its ability to provide adequate wealth for retirement.

Our glide path aims at the right risks at the right time

Our target-date funds favor stocks for younger participants when the risk is falling short on savings and growth.

Our approach to sequence of returns risk

It's important to reduce equity risk near retirement — by more than the industry norm.

Understanding the role of inflation risk

Glide path design should focus on real returns, but not overweight equities to combat inflation.

More consistent outcomes for participants

We believe our glide path makes it more likely that all plan participants have a secure retirement.