For clients seeking greater flexibility, control, and precision with their target date fund construction, Capital Strategies can serve as a discretionary 3(38) fiduciary investment manager and build customized target date funds to support the specific financial goals and risk profiles of the plan participants. With over ten years of proprietary target date fund benchmark performance, we have helped clients improve outcomes for their participants, better manage fees and expenses and reduce fiduciary liability.
Capital Strategies believes that the measure of success for a custom target date fund series is to maximize participants’ chances of reaching their retirement income goals while minimizing risks. Our approach is to:
And of course, this is not a one-time decision, but requires ongoing monitoring of capital markets assumptions, portfolio stress testing, participant demographics and usage patterns.
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