TARGET DATE PROFILES



For participants who understand the need to participate in a retirement plan but have little time or desire to invest funds personally, we provide ASC Target Date Profiles (TDP). These funds are age-weighted strategies that create an allocation that is based on a participant’s age and years to retirement (the Target).

A TDP differs from a Core Fund or Dynamic Trust Fund, which invest all funds within the profile at the same degree of risk. The TDP recognizes that a successful retirement strategy needs to be designed for a retirement that could last several decades. In the early years of accumulation—those farthest away from retirement, the profile may be more aggressive, but will invest more conservatively as retirement approaches.

Unlike saving for a house or college, retirement is something that will take place over multiple decades for the average participant. With this, not all funds will be needed on the first day of retirement. Since the need for funds and liquidity will be over an extended period of time for most retirees, ASC does not think all funds should be invested with the same amount of risk.

Target Date Profile 2045-60

The profile's investments are comprised of a highly diversified allocation of U.S. fixed income, stable value, inflation protection, growth and volatility protection assets. Investors in this profile are not planning for retiring for another thirty plus years. This fund is NOT designed to track the S&P 500 Index.

Target Date Profile 2040

The profile's investments are comprised of a highly diversified allocation of U.S. fixed income, stable value, inflation protection, growth and volatility protection assets. Investors in this profile are not planning on retiring for another 25 plus years. This fund is NOT designed to track the S&P 500 Index.

Target Date Profile 2035

The profile's investments are comprised of a highly diversified allocation of U.S. fixed income, stable value, inflation protection, growth and volatility protection assets. Investors in this profile are not planning on retiring for another 20 plus years. This fund is NOT designed to track the S&P 500 Index.

Target Date Profile 2030

The profile's investments are comprised of a highly diversified allocation of U.S. fixed income, stable value, inflation protection, growth and volatility protection assets. Investors in this profile are not planning on retiring for another 15 plus years. This fund is NOT designed to track the S&P 500 Index.

Target Date Profile 2025

The profile's investments are comprised of a highly diversified allocation of U.S. fixed income, stable value, inflation protection, growth and volatility protection assets. Investors in this profile are not planning on retiring for another 10 plus years. This fund is NOT designed to track the S&P 500 Index.

Target Date Profile 2020

The profile's investments are comprised of a highly diversified allocation of U.S. fixed income, stable value, inflation protection, growth and volatility protection assets. Investors in this profile plan on retiring within 10 years. This fund is NOT designed to track the S&P 500 Index.

Target Date Profile PreRetirement

The profile's investments are comprised of a highly diversified allocation of U.S. fixed income, stable value, inflation protection, growth and volatility protection assets. Investors in this profile plan on retiring within 5 years. This fund is NOT designed to track the S&P 500 Index.

Target Date Profile Retirement Income

The profile's investments are comprised of a highly diversified allocation of U.S. fixed income, stable value, inflation protection, growth and volatility protection assets. Investors in this profile are currently in retirement. This fund is NOT designed to track the S&P 500 Index.