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About flexPATH Index Funds

flexPATH Index is a target date fund solution offering the traditional benefits of professional management, diversification and simplifying your PATH to retirement.

 

Discover Your PATH to Retirement

The Discover Your PATH tool is designed to measure your need to take investment risk, based on your projected savings at retirement. Risk tolerance is a combination of both desire and need to take investment risk. Many investors have an intuitive understanding of their desire to take investment risk, but may need a helping hand to better understand their need to take investment risk. Generally, investors who are on track for retirement can afford to de-risk and invest more conservatively to emphasize stability of their hard earned assets. On the other hand, investors who are behind saving for retirement may need to invest more aggressively to emphasize growth, and/or begin saving more in order to make up for a shortfall of current savings.

Discover Your PATH

Choosing Vintage
Choosing Glidepath
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flexPATH Glidepath

The glidepath needs of all plan participants are addressed with the availability of a conservative, moderate and aggressive glidepath.

After selecting the closest year (2025, 2035, 2045, or 2055) in which you expect to retire, consider both your comfort with risk as well as the amount of risk needed to accomplish your retirement goals when selecting the most appropriate retirement PATH.

Conservative PATH
Conservative
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Conservative PATH

Risk is limited because enough has been or is being saved to live on during retirement. The goal is to achieve a more consistent retirement income pattern throughout retirement.

Conservative PATH characteristics:

  • Retirement savings rate more than 12%
  • High account balance
  • Emphasis on stability and capital preservation in retirement
Moderate PATH
Moderate
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Moderate PATH

Risk can be moderate because current savings will accomplish most retirement goals. Additional risk is necessary to fully achieve all retirement goals, balanced with a more consistent income pattern.

Moderate PATH characteristics:

  • Retirement savings rate between 6-12%
  • Average account balance
  • Balance stability and long-term return in retirement
Aggressive PATH
Aggressive
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Aggressive PATH

Risk is greater because current savings alone will not be enough to reach most retirement goals. The goal is to generate greater expected return through riskier investments in order to supply adequate income at and throughout retirement.

Aggressive PATH characteristics:

  • Retirement savings rate less than 6%
  • Low account balance
  • Emphasis on long-term return in retirement

Intro text, choose from tiles flow below to view asset class detail...

Fund Fact Sheets

flexPATH Index Conservative Retirement Fund Class M Class R1 Class I1 Class I2 Class I3
flexPATH Index Conservative 2025 Fund Class M Class R1 Class I1 Class I2 Class I3
flexPATH Index Conservative 2035 Fund Class M Class R1 Class I1 Class I2 Class I3
flexPATH Index Conservative 2045 Fund Class M Class R1 Class I1 Class I2 Class I3
flexPATH Index Conservative 2055 Fund Class M Class R1 Class I1 Class I2 Class I3
flexPATH Index Moderate Retirement Fund Class M Class R1 Class R2 Class R3 Class I1 Class I2 Class I3
flexPATH Index Moderate 2025 Fund Class M Class R1 Class R2 Class R3 Class I1 Class I2 Class I3
flexPATH Index Moderate 2035 Fund Class M Class R1 Class R2 Class R3 Class I1 Class I2 Class I3
flexPATH Index Moderate 2045 Fund Class M Class R1 Class R2 Class R3 Class I1 Class I2 Class I3
flexPATH Index Moderate 2055 Fund Class M Class R1 Class R2 Class R3 Class I1 Class I2 Class I3
flexPATH Index Aggressive Retirement Fund Class M Class R1 Class I1 Class I2 Class I3
flexPATH Index Aggressive 2025 Fund Class M Class R1 Class I1 Class I2 Class I3
flexPATH Index Aggressive 2035 Fund Class M Class R1 Class I1 Class I2 Class I3
flexPATH Index Aggressive 2045 Fund Class M Class R1 Class I1 Class I2 Class I3
flexPATH Index Aggressive 2055 Fund Class M Class R1 Class I1 Class I2 Class I3