Custom Target Date Fund

Starting with the needs of your participants

SSGA can work with you to define your objectives for target date funds and to ensure that your default investment option is uniquely suited to the needs of your participants.

Providing more flexibility, control and precision

Custom target date funds may provide greater control over the underlying investment managers, opportunities to improve diversification and the possibility to reduce overall plan expenses.

Being a leader in custom risk-based solutions

We manage more than $90 billion in custom risk-based investments, including custom target date funds, as of December 2012.


Key Elements to Consider

We believe plan sponsors need to explore four key elements when considering a custom target date solution.


Making the Right Choice for Your Plan

Customizing target date funds is a complex decision that creates a number of new responsibilities for plan sponsors. Not all plan sponsors may need customization and off-the-shelf target date funds are a strong choice for many. We recommend exploring the spectrum of available options, which includes the following:

  • Maintaining your off-the-shelf target date funds
  • Tailoring the glidepath to better meet participant needs
  • Customizing fund construction by selecting individual investment managers and/or additional asset classes


A Leader in Custom Solutions

As a leader in defined contribution investment solutions, SSGA offers a broad range of choices for target date funds, from our low-cost, index-based family of target date funds to fully customized funds. We bring a disciplined, institutional approach designed to help improve retirement outcomes for your participants.
Asset allocation is a method of diversification that positions assets among major investment categories.


Asset allocation may be used in an effort to manage risk and enhance returns. It does not, however, guarantee a profit or protect against loss.