SPOTLIGHT
Diving into the issues that shape Fidelity target date funds
Insights and intelligence for retirement leaders.
Why our strategies
Fidelity's target date strategies offer participants and plan sponsors an integrated experience that draws on Fidelity's retirement expertise, a durable and time-tested investment process, as well as guidance and communications resources that help encourage disciplined savings—aiming to deliver superior value to clients.
Latest target date perspectives—Fulcrum Issues
Fulcrum Issues is an ongoing series featuring commentary from Fidelity's Target Date Investment Team. In this series, Fidelity portfolio managers and researchers share insights on current topics of critical importance to multi-asset class investors.
An analysis of previous rate-cutting cycles and macroeconomic conditions suggests a wide range of potential asset class outcomes in a hard or soft landing.
Read prior Fulcrum Issues papers
An effective target date strategy helps investors navigate uncertainty through diversification that varies according to their changing needs and time horizons.
Key considerations for establishing an index target date fund's composite benchmark and for managing the index TDF portfolio.
Given the nature of their design, target date investments warrant a comprehensive evaluation approach.
Next steps to consider
Why Fidelity Target Date
Discover what sets Fidelity apart from other target date providers by exploring our holistic target date strategies.
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Defined Contribution Investment Only
Discover investment capabilities for employer-sponsored retirement plans, as well as plan analytics, research, dedicated support, and more.
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Asset Allocation
Leverage Fidelity’s extensive analytical, research, and management capabilities to level up your asset allocation approach.
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Past performance is no guarantee of future results. Diversification does not ensure a profit or guarantee against a loss. It is not possible to invest directly in an index.
Fidelity Commingled Pools are only available to eligible retirement plans.
Investment performance of the Target Date products depends on the performance of the underlying investment options and on the proportion of the assets invested in each underlying investment option. The investment risk of each Target Date strategy changes over time as its asset allocation changes. These risks are subject to the asset allocation decisions of the portfolio manager. Except for the Target Date Index products, pursuant to the portfolio manager's ability to use an active asset allocation strategy, investors may be subject to a different risk profile compared to the portfolio's neutral asset allocation strategy shown in its glide path. The portfolios are subject to the volatility of the financial markets, including that of equity and fixed income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap, commodity-linked and foreign securities. The Target Date Blend and Index portfolios are subject to the risks associated with investing in a passively managed underlying investment options in which the passively managed underlying investment option's performance could be lower than an actively managed product that shifts its portfolio assets to take advantage of market opportunities or lessen the impact of a market decline or a decline in the value of one or more issuers. Fixed income investments entail issuer default and credit risk, inflation risk, and interest rate risk (as interest rates rise, bond prices usually fall and vice versa). This effect is usually more pronounced for longer-term securities. Leverage can increase market exposure, magnify investment risks, and cause losses to be realized more quickly. No target date strategy is considered a complete retirement program and there is no guarantee any single offering will provide sufficient retirement income at or through retirement. Principal invested is not guaranteed at any time, including at or after the portfolio' target dates.