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Annuity Issuers Slowly Enter The Digital Age
Annuity issuers are making a concerted effort to implement and promote paperless document delivery services.
401(k)s: They’re Not (Necessarily) Just for Employees Any More
A growing number of 401(k) plan sponsors, retirees, record keepers and regulators want retirees to stay in their plans well into, or even straight through, retirement, PIMCO has found.
Industry Views are special reports that are sponsored and independent from RIJ's editorial content.
May 5, 2010, Featured Articles, Research
The Hidden Risk in Target Date Funds
Glide paths of TDFs differ markedly as the investor comes within ten years of retirement, and this divergence can lead to unpleasant surprises.
Choosing the appropriate target date fund (TDF) for an investor is not easy, given the large number of products in the marketplace and the lack of tools to easily compare those offerings. That choice, however, is made a lot easier if one focuses on the component of TDFs where investors are exposed to the greatest risk—what I call the “risk zone.”
The risk zone is the five to ten years before and after retirement. During this period, investors are least able to tolerate the impact of adverse market conditions, where significant dollar losses in their portfolio can be offset only by reductions in their standard of living.
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