Understanding Target Date Funds
Target date funds – also known as lifecycle or age-based funds – are diversified, asset allocation investment funds. They are designed to simplify retirement investing for participants without the time or knowledge to create and manage a well-diversified portfolio.
These funds are based on a time frame until retirement, and typically invest in a mix of stock and bond funds that gradually adjust to become more conservative over time as the target date approaches. (For example, a target retirement 2040 fund is allocated for investors who plan to retire between the years 2035 and 2044.) This adjustment, known as the glide path, reflects how the fund’s allocation of stocks and bonds changes over time. 
Target Date Funds can be a solution for what is often the most difficult part of planning for retirement: choosing your investments. to retire between the years 2035 and 2044.) This adjustment, known as the glide path, reflects how the fund’s allocation of stocks and bonds changes over time.
IMPORTANT DISCLOSURE INFORMATION
MCF Advisors, LLC (“MCF”) is an SEC-registered investment adviser. Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by MCF), or any non-investment related content, made reference to directly or indirectly in this presentation will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover,you should not assume that any discussion or information contained in this newsletter serves as the receipt of, or as a substitute for, personalized investment advice from MCF. MCF is neither a law firm nor a certified public accounting firm and no portion of the newsletter content should be construed as legal or accounting advice. A copy of the MCF’s current written disclosure statement discussing our advisory services and fees continues to remain available upon request. If you are enrolled in the MCF Managed Portfolio Strategy Service or are otherwise an MCF client, please remember to contact MCF in writing, if there are any changes in your personal / financial situation or investment objectives for the purpose of reviewing / evaluating / revising our previous recommendations and/or services. The scope of the services to be provided depends upon the needs of the client and the terms of the engagement.