Franklin LifeSmart Retirement Target Funds seek to maximize outcomes at retirement, while actively and continuously managing risk.
The focus of plan design has shifted its emphasis to seeking to improve plan outcomes. We offer tools and expertise to help tailor selection of investment alternatives to the specific needs of plan sponsors and participants.
We have resources focused on the complete sales cycle, including prospecting, maintaining the sales pipeline and factors impacting plan sponsor decisions. We have resources that can help give you an edge.
We understand what it takes to manage investments within defined contribution plans. We offer insights to help tailor plans to the specific needs of their participants.
PLANSPONSOR® Article Reprint
It's easy to forget that the retirement industry has made tremendous advancements in defined contribution (DC) plans over the last 10 years, improving the retirement outlook for many participants.
Pensions & Investments Article Reprint
Plan sponsors should start thinking of their defined contribution plans as retirement income vehicles rather than as just savings plans.
The inclusion of global bonds as an asset class in a well-designed menu of options could help diversify risk and may even enhance performance potential.
The information provided is not a complete analysis of every material fact regarding any country, market, industry, security or fund. Because market and economic conditions are subject to change, comments, opinions and analyses are rendered as of July 13, 2015, and may change without notice. A portfolio manager’s assessment of a particular security, investment or strategy is not intended as individual investment advice or a recommendation or solicitation to buy, sell or hold any security or to adopt any investment strategy; it is intended only to provide insight into the fund’s portfolio selection process. Holdings are subject to change.
Diversification does not guarantee a profit or protect against a loss.
Past performance does not guarantee future results.
All investments involve risks, including possible loss of principal. The investment risk of the retirement target fund changes over time as its asset allocation changes. Since the fund invests in underlying funds, which may engage in a variety of investment strategies involving certain risks, a Franklin LifeSmart Retirement Target Fund is subject to those same risks. Principal invested is not guaranteed at any time, including at or after the fund's retirement target date; nor is there any guarantee that the fund will provide sufficient income at or through the investor's retirement. Stock prices fluctuate, sometimes rapidly and dramatically, due to factors affecting individual companies, particular industries or sectors, or general market conditions. Bond prices generally move in the opposite direction of interest rates. Thus, as the prices of bonds in the fund adjust to a rise in interest rates, the fund's share price may decline. These and other risks are described more fully in the fund's prospectus. Investors should consult their financial advisor for help selecting the appropriate fund of funds, or fund combination, based on an evaluation of their investment objectives, retirement time horizons and risk tolerance.
Your clients should carefully consider a fund’s investment goals, risks, charges and expenses before investing. Download a prospectus, which contain this and other information. Your clients should read a prospectus carefully before they invest or send money.