Lifecycle fund

(redirected from Life Cycle Fund)

Lifecycle Fund

Any mutual fund in a fund family that offers funds with varying levels of risk that are targeted at potential shareholders in different age groups. For example, a fund family may offer three lifecycle funds, one aimed at investors in their 20s and 30s, one at persons in their 40s and 50s, and one for those nearing or in retirement. In this situation, the first fund will carry the most risk because younger investors often seek to make a large return while the third will carry the least risk as investors wish mainly to protect their savings and pensions.

Lifecycle fund.

A lifecycle fund, which is a fund of funds, invests in individual mutual funds that a fund company puts together to help investors meet their objectives without having to select individual funds.

Some companies offer a set of lifecycle funds, each with a different level of risk and return, from conservative to aggressive. In that case, you may choose a lifecycle that's appropriate for reaching your goals within the time frame you've allowed.

The typical pattern is for younger investors to choose a more aggressive lifecycle fund and those nearing retirement to choose a more conservative fund.

With target date funds, which are a type of lifecycle fund, you choose a target retirement year, and the fund manager invests and reallocates your money more and more conservatively as you near retirement.

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If you are not confident about deciding the asset allocation yourself, your money will be invested in a Life Cycle Fund, a combination of the above three asset classes.
The proportions used here are selected to be the average proportions in a life cycle fund over a working life.
Looking for a solution in a life cycle fund or an asset allocation fund.
announces that a class action lawsuit was commenced in the United States District Court for the District of Northern California, on behalf of purchasers, redeemers and holders of shares of Excelsior California Tax Exempt Income Fund , Excelsior Early Life Cycle Fund , Excelsior Funds Equity Income Fund , Excelsior Funds Inc.
Notice is hereby given that a class action lawsuit was filed in the United States District Court for the Northern District of California on behalf of all purchasers, redeemers and holders of shares of Excelsior California Tax Exempt Income Fund , Excelsior Early Life Cycle Fund , Excelsior Funds Equity Income Fund , Excelsior Funds Inc.
Excelsior California Tax Exempt Income Fund Excelsior Early Life Cycle Fund Excelsior Funds Equity Income Fund Excelsior Funds Inc.
For plan sponsors, the ability to offer a retirement plan management alternative that supplements the ever-popular set-it-and-forget-it Target Date and Life Cycle funds (averaging 6-8% returns) is enormously valuable, especially when you consider the amount of time and productivity wasted by employees worrying about their future.
If all this seems confusing (and it should), ask your bank or broker about "target date" or life cycle funds.
The TSP now offers professionally managed life cycle funds that diversify investments throughout the five existing TSP funds through various asset allocations.
Founded in 1970, we offer equity and fixed income portfolios as well as a range of blended asset portfolios, such as life cycle funds, that use a mix of stocks and bonds.
Though increasing in popularity, life cycle funds are not quite the panacea the investment industry has made them out to be, perhaps even less so in the 401(k) environment.
Few managers today offer true life cycle funds to individuals participating in 401(k) programs.

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