Elevate your services with innovative investment strategies that give your employer-sponsored clients a competitive edge.
Wall Street strategies in workplace savings plans
For too long, specialized investments like personalized strategies, private assets, and some income solutions have only been available to large institutions and high-net-worth investors. Franklin Templeton is changing that.
We’re making these strategies accessible to individual savers through employer-sponsored retirement plans. Now, you can offer tailored solutions, access to private equity and real estate for diversification, and income strategies to help build a secure retirement—helping you differentiate your practice and deepen client relationships.
Set your practice apart
Strengthen client connections
Build lasting relationships by offering employer-sponsored clients access to investment opportunities once beyond the reach of many retirement plans.
Promote financial fairness
Provide all Americans with access to diverse and robust investment opportunities, potentially leveling the playing field for all.
77%
of American workers say they would be more likely to participate in or increase their contributions to retirement savings if personalized 401(k) investment options were available.1
78%
of American workers are interested in personalized 401(k) options, such as portfolios tailored to their age, income, and unique financial situation.1
1 in 3
American workers report that a lack of access to a guaranteed income stream is a significant barrier preventing them from retiring when they want.1
Our investment solutions
Our investment capabilities help level the playing field by offering access to alternative assets in workplace savings plans, personalized strategies aligned with participant goals, and retirement income solutions to help build a secure future.
- Alternatives
- Personalization
- Income
Alternatives
Democratization through workplace savings plans
Incorporating alternative investments into workplace savings plans allows participants to access assets like commodities, private debt, and infrastructure, previously available only to institutional investors. By blending these alternatives with traditional assets, employers can offer more tailored retirement solutions that can align with each participant’s risk tolerance and goals.
Incorporating alternatives
Expanding access to options like commodities, private debt, and infrastructure can enhance potential returns while contributing to portfolio diversification and addressing specific investment objectives.
Participant benefits
These tailored investment strategies provide institutional-level diversification, integrating income-focused solutions to help participants pursue a more secure retirement.
Personalization
Personalization in retirement planning
Personalization enhances the retirement planning experience by promoting smarter savings habits and aligning asset allocations with individual goals. Employers can now offer targeted solutions that better support workers’ needs, meeting the growing demand for personalized guidance in retirement planning.1
Supporting the next generation
Engaging clients earlier in their careers may help advisors build practices that seek to remain relevant and adaptable through generational shifts.
Scalability and efficiency
We think personalized technology solutions enable advisors to scale their business effectively, reaching more clients without compromising service quality.
Income
Addressing retirees’ needs with income
In our view, Americans need support to secure income in retirement, both financially and emotionally. As the demand for solutions grows, we believe it's crucial to help crucial to help retirees manage their income, spend down wisely, and plan for a new chapter that can help extend the life of their savings.
Steady growth potential
The potential to grow retirement savings regardless of market conditions, providing a consistent approach to long-term planning.
Reliable income for life
Solutions designed to offer lifetime income, supporting everyday living expenses or other financial goals participants may have.
Unlocking the potential power of alternatives for savers
Alternative investments seek to shine when integrated into a total portfolio. Starting with a hypothetical 60/40 portfolio, adding alternatives demonstrates their potential to boost performance and reduce volatility, offering tailored outcomes for potential growth and risk management in workplace savings plans.
Insights
Modernizing retirement plans with alternative investments
Change is on the horizon for retirement savings, as 401(k) plans are now embracing private market investments. Savers may soon have access to opportunities previously reserved for large investors. Our experts talks about the trends and opportunities.
Prioritizing DC plan participant outcomes with private real estate
Clarion Partners suggest there is compelling data for DC plan sponsors to consider including private real estate as an investment option in a multi-asset retirement plan.
Building better portfolios with alternative investments: Rethinking retirement
Institutions have long used alternative investments, but individuals have had limited access. Tony Davidow, Senior Alternative Investment Strategist, highlights their potential for growth and income in both accumulation and retirement phases.
Contact Us
Your Franklin Templeton Retirement Plan Director can guide you on incorporating investment strategies to enhance workplace plans and help support secure retirement outcomes.
Important Information
1Franklin Templeton’s 2024 Voice of The American Worker Survey. The Voice of the American Employer Survey was conducted by The Harris Poll on behalf of Franklin Templeton from November 6th to November 17th, 2023. All 1,000 respondents, based in the United States, are classified as employers, defined as having at least some influence over company benefits and/or hiring at organizations with over 100 employees. Respondents represent a mix of industries, company size, role, age, and race.
All investments involve risk, including possible loss of principal.
Please see each product's web page for specific details regarding investment objective, risks, performance, and other important information. Review this information carefully before you make any investment decision.
This material is intended to be of general interest only and should not be construed as individual investment advice or a recommendation or solicitation to buy, sell or hold any security or to adopt any investment strategy. It does not constitute legal or tax advice. This material may not be reproduced, distributed or published without prior written permission from Franklin Templeton.
As a financial professional, only you can provide your customers personalized advice and investment recommendations tailored to their specific goals, individual situation, and risk tolerance.
This material is intended to be of general interest only and should not be construed as individual investment advice or a recommendation or solicitation to buy, sell or hold any security or to adopt any investment strategy. It does not constitute legal or tax advice. This material may not be reproduced, distributed or published without prior written permission from Franklin Templeton.
Before adopting any plan you should carefully consider all of the benefits, risks, and costs associated with a plan. Information regarding retirement plans is general and is not intended as legal or tax advice. Retirement plans are complex, and the federal and state laws or regulations on which they are based vary for each type of plan and are subject to change. In addition, some products, investment vehicles, and services may not be available or appropriate in all workplace retirement plans. Plan sponsors and plan administrators should consult the advice of legal counsel or a tax professional to address their specific situations.
Prospective investors should consult a financial professional in order to determine whether an investment product or strategy is appropriate for their particular circumstances.
The views expressed are those of the investment manager and the comments, opinions and analyses are rendered as at publication date and may change without notice. The underlying assumptions and these views are subject to change based on market and other conditions and may differ from other portfolio managers or of the firm as a whole. The information provided in this material is not intended as a complete analysis of every material fact regarding any country, region or market. There is no assurance that any prediction, projection or forecast on the economy, stock market, bond market or the economic trends of the markets will be realized. The value of investments and the income from them can go down as well as up and you may not get back the full amount that you invested. Past performance is not necessarily indicative nor a guarantee of future performance. All investments involve risks, including possible loss of principal.
Franklin Templeton does not provide legal or tax advice. Retirement plans are complex, and the federal and state laws or regulations on which they are based vary for each type of plan and are subject to change. In addition, some products, investment vehicles, and services may not be available or appropriate in all workplace retirement plans. Plan sponsors and plan administrators should consult the advice of legal counsel or a tax professional to address their specific situations.