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…Rarely rebalance their personal retirement portfolios
…Investment decisions are subject to behavioral biases
…Don’t have the skills to optimally manage their pension savings
…Often reflect the needs for the average participant
…Insufficient focus on real capital appreciation
The life-cycle portfolio is a solution to optimize diversification
The portfolio allocation changes over time based on the number of years before retirement to reflect the changing risk profile as the saver ages
The portfolio allocation is adjusted to reflect the changing risk tolerances
A unique combination of risk base (via diversification), age based (gradual de-risking as one ages, time based (regular contribution) diversification
The average return is expected to be higher than the traditional fixed allocation solutions
A less uncertain outcome at the retirement date allows a reduced probability of shortage at the retirement date
Experienced Quant Solutions team