The information below is intended to eliminate the guesswork of building a well-diversified portfolio appropriate for your retirement goals and ability to accept
market volatility. To view a list of all of the investment options available in your plan including fees, risks, and historical returns, please
login to your account.
Dimensional Target Date Retirement Income Fund
Asset Allocation Over Time
Dimensional’s Target Date Retirement Income Funds are designed to be diversified across a mix of asset classes that include stocks and bonds. Over time, the investment emphasis shifts from income growth to income risk management.
Early Working Years
Contributions are invested primarily in Income-Growth Assets, which are expected to increase in value over time.
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Later Working Years
Any increase in value of the income-growth assets can be invested toward more inflationprotected securities
later in your career.
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Approaching Retirement
The investment focus shifts from growing income to managing income risk, with more portfolio assets invested in inflation-protected securities to manage future retirement income risk.
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In Retirement
The portfolio remains focused on Income Risk Management Assets in an effort to guard against risks like inflation or a market downturn.
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Choosing a Dimensional Target Date Retirement Income Fund
By choosing a Dimensional Target Date Retirement Income Fund, you can take an important step toward planning for retirement.
Whether your retirement date is near or many years from now, focusing on income can help you see where you are
headed—allowing you to better plan today and giving you a clearer view of your path to retirement.
The funds are offered in five-year increments, with the target date indicating
when an investor may expect to retire and stop making contributions in the fund.
For example, if it is 2015 and you expect to work another 30 years, the 2045 fund might be an appropriate target date
fund for you. If you are planning to retire earlier or work longer, you can choose
a fund with a date closer to your anticipated retirement.
Dimensional Target Date Retirement Income Fund Info Table As of 2015
TD 2060 |
TD 2055 |
TD 2050 |
TD 2045 |
TD 2040 |
TD 2035 |
TD 2030 |
TD 2025 |
TD 2020 |
TD 2015 |
Age 22 or younger |
Age 23
to 37
|
Age 28
to 32
|
Age 33
to 37
|
Age 38
to 42
|
Age 43
to 47
|
Age 48
to 52
|
Age 53
to 57
|
Age 58
to 62
|
Age 63
to 67
|
About 45 Years to Retirement |
About 40 Years to Retirement |
About 35 Years to Retirement |
About 30 Years to Retirement |
About 25 Years to Retirement |
About 20 Years to Retirement |
About 15 Years to Retirement |
About 10 Years to Retirement |
About 5 Years to Retirement |
Newly Retired |
Aggressive |
Balance Moderate |
Conservative |
95% Stocks
5% Bonds
|
95% Stocks
5% Bonds
|
95% Stocks
5% Bonds
|
95% Stocks
5% Bonds
|
92% Stocks
8% Bonds
|
79% Stocks
21% Bonds
|
65% Stocks
35% Bonds
|
52% Stocks
48% Bonds
|
38% Stocks
62% Bonds
|
25% Stocks
75% Bonds
|
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Click for the Brochure |
Click for the Calculator |
Click for the Website |
Having narrowed down your desired portfolio, login to your retirement plan account to adjust your investment elections. For support with this process here are step-by-step instructions. For advice on selecting a portfolio, please contact IFA. We are happy to help.
IFA Risk Based Portfolios
Choosing The Right Mix Of Investments For Your Portfolio
Having narrowed down your desired portfolio, login to your retirement plan account to adjust your investment elections. For support with this process here are step-by-step instructions. For advice on selecting a portfolio, please contact IFA. We are happy to help.
Only Low Risk Investors
Age 70 to 80
Age 60 to 70
Age 50 to 60
Age 40 to 50
Age 30 to 40
Age 20 to 30
Only High Risk Investors
1. The Benchmark Portfolio provided below should be used to help you understand the historical risk and return characteristics of your selected portfolio. Please note that the Benchmark Portfolio may have a slightly different allocation due to limitations with your plan's recordkeeper, but does have the same General Asset Class allocation.
Benchmark Portfolio