United States
Retirement has changed. Americans today are living longer. Most are worried about having enough for retirement so they’re also working years longer. And they’re counting on their 401(k) plans more than ever.
Problems with Traditional Glide Paths
When Target Date Funds first came onto the scene, they were revolutionary new tools for participants and other investors. But they don’t reflect today’s realities, and they can’t respond to market swings or turbulence.
What’s the solution to these problems? A new kind of target date fund.
Offer Participants a Smarter Glide Path
LifeSmart Target Date Funds from Franklin Templeton recognize the threats to participant retirement planning and have adapted to it. Critically for participants in the “home stretch” period of their careers, our glidepath is built to respond to unexpected market swings and turbulence.
WE'RE READY TO HELP
Defined Contribution Support
Franklin Templeton's LifeSmart Glide Path
*There can be no assurance that a risk-off indicator can accurately predict any economic regime change, nor that a defensive glide path can prevent financial loss.
**Target date funds will be merged with the Franklin LifeSmart Retirement Income Fund. Shareholders will be informed in advance, including general information on tax consequences.
Learn More About the Funds by contacting a DC Specialist in your area.
Additional Resources
Important Legal Information
- This website does not provide investment advice or investment recommendations. It is intended for educational and informational purposes only.
- All investments involve risks, including possible loss of principal. Generally, those offering potential for higher returns are accompanied by a higher degree of risk. Stock prices fluctuate, sometimes rapidly and dramatically, due to factors affecting individual companies, particular industries or sectors, or general market conditions. Bond prices are affected by interest rate changes. Bond prices, and thus a bond fund's share price, generally move in the opposite direction of interest rates. As the price of bonds in a fund adjusts to a rise in interest rates, the fund's share price may decline. High-yield, lower-rated ("junk") bonds generally have greater price swings and higher default risks. Foreign investing, especially in developing markets, has additional risks such as currency and market volatility and political or social instability. For tax-free income funds, the alternative minimum tax may apply. These and other risks pertaining to specific funds, such as those involving investments in specialized industry sectors or use of complex securities, are discussed in each fund's prospectus.
- Your clients should carefully consider a fund’s investment goals, risks, charges and expenses before investing. Download a prospectus, which contains this and other information. Your clients should read the prospectus carefully before they invest or send money.
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Franklin Distributors, LLC. Member FINRA/SIPC. Prior to July 7, 2021, Franklin Templeton Distributors, Inc., and Legg Mason Investor Services, LLC served as mutual fund distributors for Franklin Templeton.
