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A Superior Collective Investment Trust Onboarding Experience.
A Superior Collective Investment Trust Onboarding Experience.
Target date funds have entered a new era of innovation, reshaping how retirement savings are designed, delivered, and managed. In 2026 and Beyond: Innovation in Target Date Funds, Great Gray explores the four developments that are redefining today’s TDF landscape: personalization that adapts to individual participant needs, the rapid rise of lifetime income features, blended active and passive strategies, and the expanding role of private markets in defined contribution plans. Together, these shifts reflect a market moving beyond traditional age‑based investing toward more flexible, data‑driven, and outcome‑oriented solutions.
For advisors and plan sponsors, this evolution brings both opportunity and responsibility. As new product structures emerge, so does the need for deeper evaluation capabilities, stronger fiduciary frameworks, and a more nuanced understanding of participant demographics and long‑term objectives.
This report breaks down the key trends, the forces driving them, and the implications for those guiding retirement plan decision‑making. It is designed to help industry professionals stay informed, think strategically, and grow confidently as the next generation of target date funds takes shape.
Download the Report:
Great Gray Trust Company, LLC Collective Investment Funds (“Great Gray Funds”) are bank collective investment funds; they are not mutual funds. Great Gray Trust Company, LLC serves as the Trustee of the Great Gray Funds and maintains ultimate fiduciary authority over the management of, and investments made in, the Great Gray Funds. Great Gray Funds and their units are exempt from registration under the Investment Company Act of 1940 and the Securities Act of 1933, respectively.
Investments in the Great Gray Funds are not bank deposits or obligations of and are not insured or guaranteed by Great Gray Trust Company, LLC, any bank, the FDIC, the Federal Reserve, or any other governmental agency. The Great Gray Funds are commingled investment vehicles, and as such, the values of the underlying investments will rise and fall according to market activity; it is possible to lose money by investing in the Great Gray Funds.
Participation in Collective Investment Trust Funds is limited primarily to qualified retirement plans and certain state or local government plans and is not available to IRAs, health and welfare plans and, in certain cases, Keogh (H.R. 10) plans. Collective Investment Trust Funds may be suitable investments for plan fiduciaries seeking to construct a well-diversified retirement savings program. Investors should consider the investment objectives, risks, charges, and expenses of any pooled investment fund carefully before investing. The Additional Fund Information and Principal Risk Definitions (PRD) contains this and other information about a Collective Investment Trust Fund and is available at www.greatgray.com/cit-fund-info/principal-risk-definitions/ or ask for a free copy by contacting Great Gray Trust Company, LLC at (866) 427-6885.
Great Gray® and Great Gray Trust Company are service marks used in connection with various fiduciary and non-fiduciary services offered by Great Gray Trust Company, LLC.