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Target Date Funds

Target Date Funds are professionally managed, diversified portfolios that automatically adjust their mix of investments to align with a specific target retirement date.

 

Discover Your Path to Retirement

The Discover Your Path tool is designed to measure your need to take investment risk, based on your projected savings at retirement. Risk tolerance is a combination of both desire and need to take investment risk. Many investors have an intuitive understanding of their desire to take investment risk, but may need a helping hand to better understand their need to take investment risk. Generally, investors who are on track for retirement can afford to de-risk and invest more conservatively to emphasize stability of their hard earned assets. On the other hand, investors who are behind saving for retirement may need to invest more aggressively to emphasize growth, and/or begin saving more in order to make up for a shortfall of current savings.

 

Discover Your Path

DYP Tool Photo

Glidepaths

The glidepath needs of plan participants are addressed with the availability of a conservative, moderate and aggressive glidepath.

After selecting the closest year (2025, 2035, 2045, 2055, 2065, or 2070) in which you expect to retire, consider both your comfort with risk as well as the amount of risk needed to accomplish your retirement goals when selecting the most appropriate retirement path.

Select your target date fund to view asset allocation.

Stocks

This mix of global stocks seeks to provide growth for the strategies. This allocation may also include exposure to commodities and real estate investment trusts, which seeks to add diversification to the strategies.

Bonds

Made up of exposure to U.S. inflation-protected bonds and other fixed income securities, these investments look to provide the strategies with reduced exposure to market risk and volatility.

Use the drop down menus below to select the target date fund, risk level, and vintage. Based on your selections, the pie chart will update to display the current asset allocation.

Conservative Path

Risk is lower because enough has been or is being saved to live on during retirement. The goal is to achieve a more consistent retirement income pattern throughout retirement.

Conservative Path Characteristics:

  • High account balance
  • Emphasis on stability and capital preservation in retirement

Moderate Path

Risk can be moderate because current savings will accomplish most retirement goals. Additional risk is necessary to fully achieve retirement goals, balanced with a more consistent income pattern.

Moderate Path Characteristics:

  • Average account balance
  • Balance stability and long-term return in retirement

Aggressive Path

Risk is greater because current savings alone will not be enough to reach most retirement goals. The goal is to generate greater expected return through riskier investments in order to supply adequate income at and throughout retirement.

Aggressive Path characteristics:

  • Low account balance
  • Emphasis on long-term return in retirement

How can we help?

Learn more about Great Gray and our funds or request a demo of BoardingPass®, our CIT onboarding solution.

 

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Great Gray Trust Company, LLC serves as Trustee for its bank collective investment trusts (“CITs” or “Funds”) and maintains ultimate fiduciary authority over the management of, and investments made in, the Funds. The Funds are not mutual funds as the 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 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 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 Funds.

Participation in Collective Investment Trusts (CITs) 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. CITs 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 CIT and is available at www.greatgray.com/principalriskdefinitions or ask for a free copy by contacting Great Gray Trust Company, LLC at (866) 427-6885.

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