Also Monday, Sun Life reported that the combined assets of target date funds available to group plans administered by the company are now more than $1 billion. Target date funds focus on a goal, such as retirement, and have asset mixes that change throughout the life of the fund. Learn more about privacy and how we collect data to provide you with more relevant content. We’re here to support you through COVID-19. Past performance is not necessarily a guide to future performance; unit prices may fall as well as rise. Here’s how we can help you. All rights reserved. The target date fund choice for 20% of Fortune 100 companies * “On the forefront of the target-date industry” according to Morningstar; Target date funds have more than one job to do. They may also soften the downside of tough markets - especially as retirement appears on the horizon. The fund invests in inflation-linked bonds opportunistically, to preserve capital at different points in the economic cycle. Select the Target Date Fund with the date closest to your planned retirement date. This makes investing a viable opportunity to build and grow wealth for our financial goals. Make well-informed decisions with helpful advice. Target-Date Funds in Retirement Plans . BlackRock Asset Management Canada Limited (BlackRock) has announced an update to the maturity process for the BlackRock LifePath® Index 2020 Fund (LifePath 2020 Fund). Target Wealth: The Evolution of Target Date Funds 5 3vestment problem The in In the most basic TDF, there are only two possible investments: a bond index and an equity index. As the target Each spring, Sun Life Global Investments (SLGI) formally reviews the long-term strategic target allocations for the Sun Life Granite Series of Target Date Funds, Sun Life Granite Series of Multi-Risk Target Date Funds and Sun Life Granite Target Risk Funds. The closer you get to the maturity date, the more your fund will be weighted towards bonds and cash and away from stocks. Sun Life Granite Income Portfolio. Sheryl Smolkin is a lawyer who writes about workplace pensions and benefits. Previously, Greg was the Head of iShares Equity Portfolio Management team within BlackRock's Index Equity team where he was responsible for overseeing the management of the Americas listed iShares equity funds. At Sun Life, we have always built our business on ethics and integrity. 50% Equity / 50% Fixed Income Low to Medium Risk. Sun Life Global Investments adds new 2060 funds to Granite Target Date and Multi-Risk Target Date Fund series. It will take some time to update our websites, materials and forms and until that is complete, all references to Sun Life Global Investments (Canada) Inc. … Higher returns with target date funds *Includes all Target Date Funds offered on the Sun Life Group Retirement Services investment platform. They're ideal for investments of at least 10 years. The Wellington Fund’s investment objective is to seek long-term capital appreciation and income. now the largest manager of U.S. target-date fund assets in the industry, as investors have gravitated to the company’s low-cost, index-based approach***. Wellington is one of the largest fund managers in the world with over $US 1 trillion in AUM. Awards and recognition. BlackRock Asset Management Canada Limited (BlackRock) has added a 2060 fund to its LifePath® target date fund suite. The Sun Life Prosperity Achiever Funds will officially be launched to the investing public in January 2019. For example, a younger worker hoping to retire in 2065 would choose a target-date 2065 fund, while an older worker hoping to retire in 2025 would choose a target-date 2025 fund. They include: The Code of Conduct that tells every Sun Life employee and advisor how we expect them to act; Disciplined and well-ordered risk management systems Download it today. To know more about these funds, consult a Sun Life Financial Advisor, visit http://www.sunlifefunds.com/, or call 849-9888. These are target-date funds that mature in 2030 or earlier and after 2025. Target date funds have more than one job to do. Kevin Strain will take over as president and CEO of Sun Life Financial in 2021. In August 2018, we discovered that Sun Life Global Investments Canada (SLGI) submitted incorrect benchmark returns to Morningstar® for the months of April, May and June 2018 for the two series of segregated funds below (the Funds): Sun Life Financial Granite Target Date Funds Sun Life Financial Granite Multi-Risk Target Date Funds. BlackRock’s history with target-date funds stretches back to the 1990s, but most importantly, the firm has remained steadfast in evolving its target-date options Like a jet on autopilot, target date funds do all of the driving. To enhance overall portfolio diversification, SLGI will reallocate some Canadian core bond exposure towards U.S. core bonds. As the fund nears the target date, it gradually gets more conservative, shifting from a larger allocation in stocks and into bonds and cash. As Filipinos, we are hardworking and resourceful with our money. SLAMCI also has a suite of target date funds, the Sun Life Prosperity Achiever Funds, which grow one’s mutual fund investments over a specific period of time. Plan members expecting to retire around the year 2060 may benefit from this new fund. A study in late 2008 by Deloitte and the Investment Company Institute showed that 72% of defined contribution plans (e.g., 401k plans) offered target-date funds. Despite having a common maturity date, TDFs can have significant differences. Industry figures show that in 2012, TDFs were the most popular default option selected by group retirement plan sponsors for investing the contributions of employees who did not make their own investment selections. As long as they remain invested in the fund until maturity, they will receive a guaranteed maturity value. A target date fund (TDF) – also known as a lifecycle, ... where the convenience of a single 'fund for life' made them the most popular type of default strategy. Please select your language preference on the right hand side. In September 2016, BlackRock Asset Management Canada Limited (BlackRock) revised the benchmark returns for the BlackRock LifePath® Index Series of target date funds (the Funds) for the month of May 2016. Learn more about privacy and how we collect data to give you relevant content. Whether you decide to invest all or part of your retirement savings in a target-date fund is a personal decision. Plan sponsors may wish to consider whether this investment news has any implications for the investment options available within their plans. 2060 fund added to the BlackRock LifePath® Index Target Date Fund suite. I understand I can unsubscribe at any time and acknowledge that this email address belongs to me. Enhancements to the Granite Series Target Date and Target Risk funds – April 4, 2016. SLGI has changed the global fixed income exposure within all fund series. U.S. equity will go from 33.3% to 35.0%, and international equity plus emerging markets from 33.3% to 35.0%. This is done through the Sun Life Private Fixed Income Plus and Canadian Commercial Mortgage Funds (also sub-advised by SLC). The GRS Investment Solutions team has reviewed the changes with SLGI and is comfortable with them. But that’s only the first step on the road to achieving your retirement savings objectives. Articles. Extensive coverage and expert comment on important topics in the financial advisory industry. The maturity date for a Sun Life Milestone Fund may be accelerated in certain circumstances, in which case an accelerated Guaranteed Value will be calculated. Sign-in help For example, how and when the asset mix transitions from mostly equities to a higher fixed-income component (called the “glidepath”) can vary dramatically among funds. However, that doesn’t mean you can completely “set and forget” your retirement savings until it’s time to cash in your chips. Introducing The Merriman Ultimate Target-Date Portfolios Target Date Funds: America’s #1 Retirement Investment. Available in Target Date, Multi-Risk Target Date, Target Risk and Income strategies—all Granite funds offer broad diversification with … This allows for an increase in the non-Canadian equity allocation. You’ve opened a registered retirement savings plan (RRSP) or joined the company-sponsored savings plan and you’re making regular contributions. 40% Equity / 60% Fixed Income Low to Medium Risk. Target date funds are ideal for addressing a financial goal slated for a future date, such as retirement or funding a child’s education. Life-cycle funds are also known as "age-based funds" or "target-date retirement funds." Take charge of retirement savings by learning the pros and cons of target-date funds, also called life-cycle funds, and how they fit into your portfolio. Find out which funds work best for you and your goals. Select the Target Risk Fund that most closely matches your risk profile. Given a specified target date (the anticipated retirement date of the DC plan member), the allocation to stocks and bonds is determined by a glide path.  The Sun Life Granite Multi-Risk Targ et Date Funds were negative in Q4  Maintained overweight position in U.S. equities  Reduced exposure to EAFE equities  Added exposure to emerging market equities  Increased cash levels in the Funds  Reduced high yield and emerging market bond exposure Investors often find a year-end rally in their Christmas stocking. My company is offering a defined contribution pension plan from Sun Life. And we follow them, wherever we do business. LSC will close in 2022 for the 2025 fund. The principal value is not guaranteed at any time, including at the target date. It’s a good idea to discuss your strategy with your financial advisor. Plan sponsors may wish to consider whether this investment news has any implications for the investment options available within their plans. Help limit the spread of COVID-19 with the COVID Alert app from the Government of Canada. These are target-date funds that mature in 2030 or earlier and after 2025. Beginning of dialog window. BlackRock’s history with target-date funds stretches back to the 1990s, but most importantly, the firm has remained steadfast in evolving its target-date options Sun Life Granite Enhanced Income Portfolio . You can buy some of our insurance products online. Sun Life Financial introduced the first lifecycle target date funds with a guarantee for employer-sponsored group retirement savings plans in Canada in April 2005 . For long-term investors, funds are a good investment, especially during periods of market volatility. We know that’s a big responsibility. Note that this change is not applicable to the Sun Life Granite Target Date series of Funds because they already offer broad credit exposure. It has been managing investments since 1928. Target-date funds are mutual fund or exchange-traded funds (ETFs) structured to grow assets in a way that is optimized for a specific time frame. A 25 year-old man who plans to retire at age 65 will likely choose a fund dated 40 years out. Changes to the Beutel Goodman Fixed Income team – April 4, 2016. But if managing your own money for the next 30 years or more seems like a daunting challenge, a target-date fund (TDF) may be the solution. Target-date funds aim to give investors an age-appropriate asset-allocation (stock/bond) mix and then gradually make it more conservative as the years go by. Changes to the Sun Life Financial Universe Bond Segregated Fund – … Follow her @SherylSmolkin. SUN LIFE MILESTONE FUNDS With Sun Life Milestone Funds, clients select a fund with a maturity date that best matches the year they expect to require the money, known as the target maturity date. From humble beginnings in Boston to what's now a global footprint that stretches from São Paulo, Brazil to Sydney, Australia, MFS has spent nearly a century honing its collaborative investment process to build better insights for clients. You should review your retirement projections with your financial advisor annually to ensure they are still realistic. Each spring, Sun Life Global Investments (SLGI) formally reviews the long-term strategic target allocations for the Sun Life Granite Series of Target Date Funds, Sun Life Granite Series of Multi-Risk Target Date Funds and Sun Life Granite Target Risk Funds. Target-date funds aim to give investors an age-appropriate asset-allocation (stock/bond) mix and then gradually make it more conservative as the years go by. All rights reserved. This movement is called the fund’s glide path. Since that, time TDF assets under management have grown more than 10x reaching $763 billion at end 2015. By his projected retirement date, the equity component will be reduced significantly. Learn more about, How a Sun Life Financial advisor can help you, Estate and Financial Planning Services (EFPS), Why work with one of our licensed professionals, Register for a my Sun Life Online Account, Contributions, withdrawals and fund changes, Student and new graduate programs overview, Rotational Leadership Development Programs, Co-op and summer internship opportunities, Chartered Professional Accountant (CPA) Pre-Approved Program, Registered retirement savings plans (RRSP). A TDF automatically resets the asset mix of stocks, bonds and cash equivalents in your portfolio in relation to a selected date closest to the date you plan to retire. Rankings. Target-date funds work by rebalancing the asset allocation throughout the fund’s life until it hits the target date. Please contact your Sun Life Group Retirement Services representative. SLGI Granite Target Date and Granite Target Risk enhancements, Canadian Fixed Income (Sun Life Granite Target Risk Funds only), RightDirections™ Employee Assistance Program, Professional Associations and Affinity Groups. The target date in the funds name is the approximate date an investor plans to start withdrawing money. Stock has a possible upside of 7.24 % funds can help members navigate market.... A jet on autopilot, target date funds sign up for FREE personalized tips, tools offers! You - there is no cost to talk to your planned retirement date and we them! Have significant differences in love with target-date funds could be better Why young investors fall... Managed and diversified portfolio of global Fixed Income securities first step on the ratings leading! All fund series signing in, you have to grow savings by managing decades of risks and returns withdrawing.. Or earlier and after 2025 have always built our business on ethics and integrity Wellington is one of the plus... 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