Lifestyle and Target-Date Funds

Lifestyle and Target-Date Funds

Lifestyle Funds are investment vehicles designed to adapt to changing risk preferences as you approach retirement. These funds aim to provide a balanced investment strategy by automatically adjusting the asset allocation mix based on your target retirement date.

Target-Date Funds operate on a similar principle to Lifestyle Funds but are not limited to retirement planning. These funds are designed to align with a specific target date, such as saving for a child’s education or a major life event. The asset allocation gradually adjusts over time, becoming more conservative as the target date approaches.

What are the key features of Lifestyle and Target-Date Funds


 Lifestyle Funds allocate your investments across various asset classes, such as stocks, bonds, and cash, to reduce the impact of market fluctuations.

Asset Allocation

 The fund’s asset allocation is based on a predetermined glide path, which gradually shifts the investment mix from higher-risk assets to more conservative ones as retirement approaches.

Risk Management

Lifestyle Funds help manage risk by automatically adjusting your portfolio to reduce exposure to volatile assets and potentially increase exposure to more stable investments.

Benefits of Lifestyle and Target-Date Funds


Lifestyle Funds simplify the investment process by providing a pre-determined asset allocation strategy, eliminating the need for constant monitoring and rebalancing.

Professional Management

 These funds are managed by our experienced investment professionals who continually evaluate and adjust the portfolio to align with the fund’s objectives.

Tailored to Your Time Horizon

 Lifestyle Funds consider your target retirement date, ensuring that your investments gradually become more conservative as you approach that milestone.

We understand that every investor has unique goals and risk tolerance, which is why we offer a range of Lifestyle Funds and Target-Date Funds to cater to different investment horizons and risk profiles. Our experienced advisors can help you choose the most suitable funds based on your financial aspirations and time frame.

To get started with Lifestyle and Target-Date Funds or to learn more about how these investment options can help you achieve your financial goals, contact our knowledgeable advisors today.

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