Evaluating target-date funds: A fiduciary's guide

October 19, 2018

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The evaluation and review of target-date funds (TDFs) are critical to your due diligence process as a plan fiduciary. This guide offers practical steps to take during the process, including comparing TDFs, understanding underlying investments, and reviewing fees. It can be used as a checklist for periodic reviews, with key questions to ask and items to consider throughout the process.

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All investing is subject to risk, including the possible loss of the money you invest. Investments in target-date funds are subject to the risks of their underlying funds. The year in the fund name refers to the approximate year (the target date) when an investor in the fund would retire and leave the workforce. The fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. An investment in target-date funds is not guaranteed at any time, including on or after the target date.