The Target Date ETF 401(k) Solution
The ETF 401(k) Solution offers professionally managed target retirement funds for investors who wish to take a hands-free approach to investing by turning this task over to a team of professionals. The target retirement funds are a series of portfolios that are designed and managed based upon different target retirement years.
This option makes it easy to invest in a diversified portfolio of funds that provides a level of risk and return consistent with a targeted retirement date. As time passes and the investor gets closer to retirement, the plan will automatically adjust the fund mix of stocks and bonds.
The funds have been specifically designed to match the appropriate level of risk for each stage of an investor’s life, based on their individual targeted retirement date. The investor selects the fund that closely matches their retirement year.
The target retirement funds were designed, and are continually monitored and managed, by a team of investment professionals. They are an alternative for retirement investments based upon proprietary research, portfolio modeling techniques and participant requirements.
An investment in Exchange Traded Funds is subject to risk. The value of an investment and the return on invested capital will fluctuate over time, and, when sold or redeemed, an investment may be worth less than its original cost. ETFs will fluctuate with changes in market conditions and may not be suitable for all investors. In many cases ETFs have lower expense ratios than comparable index funds. However, since ETFs trade like stocks, they may be subject to brokerage fees and trading spreads. ETFs do not necessarily trade at the net asset values of their underlying holdings, meaning an ETF could potentially trade above or below the value of the underlying portfolio.