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Members invest in one fund for their entire career; the Timewise Fund then follows a predetermined glide path with the mix of assets adjusting dynamically as the members risk profile changes as they move closer to retirement.
Source:SSGA, as at 30 September 2018. Assumptions and forecasts used by SSGA in developing the Portfolio’s asset allocation glide path may not be in line with future capital market returns and participant savings activities, which could result in losses near, at or after the target date year or could result in the Portfolio not providing adequate income at and through retirement. Allocations are as of the date indicated, are subject to change, and should not be relied upon as current thereafter. The above information is for illustrative purposes only.
From the very first day a member starts contributing to their pension, right through to the day they retire, the asset allocation in Timewise Target Retirement Funds is expertly managed.
The aim of our glide path approach is to ensure that people are invested in the right asset classes at the right time – throughout all the phases of their working lives.
Seeking Better Member Outcomes
For many trustees and scheme sponsors Timewise Target Retirement Funds will be a compelling choice for a default investment option. With an intelligently devised and cost-effective combination of assets, the funds offer a powerful and flexible investment solution for people in workplace pension schemes.
Glide path helps to manage risk
Our glide path and built-in risk management tools are designed to help address the common risks members face when investing for retirement: shortfall, inflation, market volatility and conversion risks.
Broad asset class exposure improves diversification
As a result of increased diversification, members' investments can benefit from reduced volatility with the potential to optimise risk-adjusted returns over time.
Continual asset class evolution
By combining our proprietary macroeconomic forecasts with decades of institutional portfolio management experience, we design efficient long-term asset allocations.
More value for workplace savers
A foundation of institutional-quality indexed assets is designed to provide optimum value for people in workplace pension schemes, so they can keep more of what their investment portfolios earn over time.
This information is for informational purposes only, not to be construed as investment advice or a recommendation or offer to buy or sell any security. Investors should always obtain and read an up-to-date investment services description or prospectus before deciding whether to appoint an investment manager or to invest in a fund. Any views expressed herein are those of the author(s), are based on available information, and are subject to change without notice. Individual portfolio management teams may hold different views and may make different investment decisions for different clients. There are no guarantees regarding the achievement of investment objectives, target returns, portfolio construction, allocations or measurements such as alpha, tracking error, stock weightings and other information ratios. The views and strategies described may not be suitable for all investors. SSGA does not provide tax or legal advice. Prospective investors should consult with a tax or legal advisor before making any investment decision. Investing entails risks and there can be no assurance that SSGA will achieve profits or avoid incurring losses.
Performance quoted represents past performance, which is no guarantee of future results. Investment return and principal value will fluctuate, so you may have a gain or loss when shares are sold. Current performance may be higher or lower than that quoted.
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