Welcome to Target Date Solutions
“ It is critical that fiduciaries understand the competing philosophies of target-date managers… and identify high-quality target-date funds that are structured accordingly… target-date funds come in two "flavors": those that anticipate being cashed out at the plan's retirement age and those that do not. However, it seems to me that 401(k) plans mainly have one flavor: those that cash out at retirement… ”
- Fred Reish, ERISA attorney, “Targeted Flavors”, July 30, 2009, Plan Sponsor magazine
(TDS Note: Funds that end at the target date are called “to” funds, in contrast to “through” funds that miss the target date on purpose because they are target death funds)
Target Date Solutions develops and licenses high-quality Safe Landing Glide PathsTM that end at the target date, using a precision engineered asset allocation design with the following objectives:
- Deliver at the target date accumulated contributions plus inflation. Achieve this objective with a very high likelihood.
- Grow the assets as much as possible without jeopardizing the protection objective. Achieve this objective with a reasonably high likelihood.
In other words, TDS provides superior “to” fund design. “Through” target date funds and custom glide paths have been sold, not bought, and the sooner fiduciaries recognize this the better it will be for plan participants. 2008 is a wake-up call, not just a nightmare we’d like to ignore and forget.
Safe Landing Glide PathTM
Interactive tool that shows you our current asset allocation. You pick any target date
SLGPTM can be private labeled
Graphic includes descriptions of the components of the SLGPTM
Offered by Hand Benefits and Trust