Overview
The simplest way to follow FMN's investment recommendations for your 403(b) portfolio is to consider investing your 403(b) plan into a LifeSpan Target Fund that is developed for people in your age bracket. These funds are actually a collection of Mutual Funds, Bond Funds, and fixed interest accounts that represent a diverse portfolio hand picked by FMN for Wycliffe members (only applicable to the 403(b) plan). These funds are evaluated and adjusted periodically by FMN to account for changes in the markets and your changing risk factors as you approach retirement. You can get more information on each LifeSpan model below. If you have investments outside of your Lincoln Alliance 403(b), you can also use the charts in your LifeSpan model as a guide for your overall portfolio allocation.
Features
Combines a fixed-interest account with a diverse portfolio of mutual funds.
Allows greater diversity than was practical using individual funds.
Strives to maintain the allocation regardless of market fluctuations.
Automatically adjusts to become more conservative as you approach retirement.
Stable Value Fund
Click on any of the links below for more info:
LifeSpan Target 2063 – “Born after 1987”
LifeSpan Target 2058 – "Born 1983 - 1987"
LifeSpan Target 2053– “Born 1978 – 1982"
LifeSpan Target 2048 – “Born 1973 – 1977”
LifeSpan Target 2043 – “Born 1968 – 1972”
LifeSpan Target 2038 – “Born 1963 – 1967”
LifeSpan Target 2033 – “Born 1958 – 1962”
LifeSpan Target 2028 – “Born 1950 – 1957”
LifeSpan Age 70+ – “Born prior to 1950"
Asset allocation and diversification do not guarantee a profit nor do these strategies protect against a loss, including the loss of principal.
Generally, the asset allocation of each target date fund will gradually become more conservative as the fund nears the target retirement date. The date in a target date fund's name is the approximate date when investors plan to start withdrawing their money (which is assumed to be at age 65). The principal value of the fund(s) is not guaranteed at any time, including at the time of the target date and/or withdrawal.
Please consider the investment objectives, risks, charges, and expenses carefully before investing in Mutual Funds. The prospectus, which contains this and other information about the investment company, can be obtained directly from the Fund Company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.