For long-term investors, funds are a good investment, especially during periods of market volatility. The principal value is not guaranteed at any time, including at the target date. I understand I can unsubscribe at any time and acknowledge that this email address belongs to me. Since that, time TDF assets under management have grown more than 10x reaching $763 billion at end 2015. As the first target date fund, LifePath has seen investors through more market ups and downs than any other target date fund. We know that’s a big responsibility.  The Sun Life Granite Multi-Risk Targ et Date Funds were negative in Q4  Maintained overweight position in U.S. equities  Reduced exposure to EAFE equities  Added exposure to emerging market equities  Increased cash levels in the Funds  Reduced high yield and emerging market bond exposure Investors often find a year-end rally in their Christmas stocking. This is because your investment will have less and less time to recover from any stock market volatility you may encounter, which leads many investors to prefer a more conservative approach as retirement nears. Following the 2020 review, SLGI has announced the following changes to the three fund series. Also Monday, Sun Life reported that the combined assets of target date funds available to group plans administered by the company are now more than $1 billion. now the largest manager of U.S. target-date fund assets in the industry, as investors have gravitated to the company’s low-cost, index-based approach***. Our commitment to managing Client data . Since then, the company has guided investors through every market condition on record. But target-date funds – which invest across several asset types, in different allocations, as you age – do it all for you. The objective is to enhance return consistency relative to the broad global bond benchmark. Select the Target Date Fund with the date closest to your planned retirement date. BlackRock’s history with target-date funds stretches back to the 1990s, but most importantly, the firm has remained steadfast in evolving its target-date options As the target This movement is called the fund’s glide path. The mix of individual securities in each fund may also vary considerably. Take a deeper look at the Sun Life Granite Managed Solutions. The Vanguard Group, Inc. manages nearly US$358 billion of target-date assets and experienced more than US$56 billion cash flow into its target date mutual funds and collective trusts in 2015. While his contributions may initially be heavily weighted towards equities, the asset mix will shift over the course of his career. All rights reserved. Each spring, Sun Life Global Investments (SLGI) formally reviews the long-term strategic target allocations for the Sun Life Granite Series of Target Date Funds, Sun Life Granite Series of Multi-Risk Target Date Funds and Sun Life Granite Target Risk Funds. Are you an advisor? Sun Life Granite Enhanced Income Portfolio . At Sun Life, we’re proud to see the results of our commitment to excellence around the world. Morningstar Financial Research conducts Analysis on Markets, Mutual Fund, Stocks and ETFs through Investment Data and News. Achieving Success with Target Date Funds 7 ways target-date funds could be better Why young investors should fall in love with target-date funds. In August 2018, we discovered that Sun Life Global Investments Canada (SLGI) submitted incorrect benchmark returns to Morningstar® for the months of April, May and June 2018 for the two series of segregated funds below (the Funds): Sun Life Financial Granite Target Date Funds Sun Life Financial Granite Multi-Risk Target Date Funds. Talk to your advisor or find one near you - there is no cost to talk to an advisor. Investing in mutual funds such as Sun Life may seem like a challenging task, but doing a little research and knowing your investing goals makes it easier. The allocation within international equities will change as shown below: SLGI announced the addition of a bottom-up, core plus mandate that they expect will broaden the opportunity set in Canadian bonds. Some funds also offer the opportunity to lock in a specific asset mix (such as 25% equities, 75% fixed income) to extend past the target date and into your retirement. Their average twelve-month price target is C$61.31, predicting that the stock has a possible upside of 7.24%. The respective maturity dates for the Sun Life Milestone Funds is June 30 of the year in the corresponding fund's name. Sign-in help A target date fund (TDF) – also known as a lifecycle, ... where the convenience of a single 'fund for life' made them the most popular type of default strategy. The target date in the funds name is the approximate date an investor plans to start withdrawing money. As of March 2020, assets in target-date mutual funds and collective investment trusts totaled approximately $1.9 trillion. But that’s only the first step on the road to achieving your retirement savings objectives. Download it today. To enhance overall portfolio diversification, SLGI will reallocate some Canadian core bond exposure towards U.S. core bonds. Register Target date funds are ideal for addressing a financial goal slated for a future date, such as retirement or funding a child’s education. A sample of approximate holdings (as of Aug. 31, 2020) with a target date of 2045 demonstrates this point. Extensive coverage and expert comment on important topics in the financial advisory industry. For example, how and when the asset mix transitions from mostly equities to a higher fixed-income component (called the “glidepath”) can vary dramatically among funds. Investment managers periodically add new longer-dated funds to their target date series, in order to better match the time horizon of younger plan members. The Opportunistic Fixed Income Fund is sub-advised by Wellington Management Canada ULC, a subsidiary of Wellington Investment Advisors Holdings LLP (“Wellington”). Fund performance data Since you need to understand how your investments are performing at all times, we’ve collected all the fund details in one place, organized and grouped for your convenience.Here you can view all the up-to-date information about our funds, including fund facts, performance, codes and other relevant details. The high price target for SLF is C$71.00 and the low price target … He is responsible for overseeing the management of the LifePath Target Date Funds as well as a wide range of fund of funds for both Institutional and Defined Contribution clients. CI making special payments to investors in selected funds – April 18, 2016. - (5:16) Why are we seeing so much cash flow going into target date funds? Awards and recognition. Our list highlights the top-rated funds for long-term investors based on the ratings of leading fund industry researchers. The Sun Life executive further elaborates suggesting “It helps to get people investing right away and automatically reduces their investment risk over time.” Most importantly, Sun Life has found that the longer you are invested in target date funds, the better the performance compared to other investment choices. Following the 2020 review, SLGI has announced the following changes to the three fund series. Some funds also offer the opportunity to lock in a specific asset mix (such as 25% equities, 75% fixed income) to extend past the target date and into your retirement. Our Target Retirement Funds simply ask you to choose a fund based on your expected retirement date, and then we take it from there. With our LifeStrategy Funds you assume more responsibility. Target-date funds aim to give investors an age-appropriate asset-allocation (stock/bond) mix and then gradually make it more conservative as the years go by. It’s a good idea to discuss your strategy with your financial advisor. MFS was founded in 1924. Plan sponsors may wish to consider whether this investment news has any implications for the investment options available within their plans. BlackRock’s history with target-date funds stretches back to the 1990s, but most importantly, the firm has remained steadfast in evolving its target-date options © Sun Life Assurance Company of Canada. Each spring, Sun Life Global Investments (SLGI) formally reviews the long-term strategic target allocations for the Sun Life Granite Series of Target Date Funds, Sun Life Granite Series of Multi-Risk Target Date Funds and Sun Life Granite Target Risk Funds. Plan members expecting to retire around the year 2060 may benefit from this new fund. Effective November 9, 2018, the BlackRock LifePath® 2060 Target Date Segregated Fund (LifePath 2060) will be available on Sun Life Financial's Core investment platform. Escape will cancel and close the window. From the list below, pension mgr recommended to put in maybe 50% into the 2045 target date fund and the other 50% into the 2050 target date fund. By signing in, you agree to these terms and conditions. - (6:06) How target date funds can help members navigate market volatility - (8:21) What can plan sponsors do? Learn more about privacy and how we collect data to give you relevant content. Sign up for FREE personalized tips, tools and offers. It has been managing investments since 1928. SLAMCI also has a suite of target date funds, the Sun Life Prosperity Achiever Funds, which grow one’s mutual fund investments over a specific period of time. SUN LIFE MILESTONE FUNDS With Sun Life Milestone Funds, clients select a fund with a maturity date that best matches the year they expect to require the money, known as the target maturity date. TORONTO, Aug. 6, 2020 /PRNewswire/ - Sun Life Financial Inc. (TSX: SLF) (NYSE: SLF) today announced its results for the second quarter ended June 30, … From humble beginnings in Boston to what's now a global footprint that stretches from São Paulo, Brazil to Sydney, Australia, MFS has spent nearly a century honing its collaborative investment process to build better insights for clients. Sheryl Smolkin is a lawyer who writes about workplace pensions and benefits. They may also soften the downside of tough markets - especially as retirement appears on the horizon. They're ideal for investments of at least 10 years. When logged in, under the Administration and reporting tab, select Group Retirement Services, then on the top navigation menu select Investments > Governance reports. Past performance is not necessarily a guide to future performance; unit prices may fall as well as rise. For assistance on which fund suits you best, talk to your Sun Life Financial Advisor or email us at sunlink@sunlife.com. Target date funds have more than one job to do. A TDF automatically resets the asset mix of stocks, bonds and cash equivalents in your portfolio in relation to a selected date closest to the date you plan to retire. Enhancements to the Granite Series Target Date and Target Risk funds – April 4, 2016. … Sun Life Assurance Company of Canada purchases units of the funds listed below, which are established as segregated funds in accordance with the Insurance Companies Act (Canada). now. 1,572 total views, 3 views today. This allows for an increase in the non-Canadian equity allocation. Learn more about privacy and how we collect data to provide you with more relevant content. Sun Life Assurance Company of Canada purchases units of the funds listed below, which are established as segregated funds in accordance with the Insurance Companies Act (Canada). These are target-date funds that mature in 2030 or earlier and after 2025. Specifically, SLGI has replaced all current investments in the Templeton Global Bond Fund with the Sun Life Opportunistic Fixed Income Fund. As long as they remain invested in the fund until maturity, they will receive a guaranteed maturity value. Learn more about Sun Life Prosperity Funds. Please contact your Sun Life Group Retirement Services representative. First, they have to grow savings by managing decades of risks and returns. At Sun Life, we have always built our business on ethics and integrity. Articles. The fund invests in inflation-linked bonds opportunistically, to preserve capital at different points in the economic cycle. I am currently 27 years old. U.S. equity will go from 33.3% to 35.0%, and international equity plus emerging markets from 33.3% to 35.0%. Take charge of retirement savings by learning the pros and cons of target-date funds, also called life-cycle funds, and how they fit into your portfolio. These are target-date funds that mature in 2035 or earlier and after 2030. 40% Equity / 60% Fixed Income Low to Medium Risk. Target-date funds work by rebalancing the asset allocation throughout the fund’s life until it hits the target date. The maturity date for a Sun Life Milestone Fund may be accelerated in certain circumstances, in which case an accelerated Guaranteed Value will be calculated. Kevin Strain will take over as president and CEO of Sun Life Financial in 2021. billion of target-date assets and experienced more than US$56 billion cash flow into its target date mutual funds and collective trusts in 2015. By his projected retirement date, the equity component will be reduced significantly. SLGI anticipates that the broader credit exposure may help enhance yield and diversification. LSC will close in 2022 for the 2025 fund. Sun Life Financial introduced the first lifecycle target date funds with a guarantee for employer-sponsored group retirement savings plans in Canada in April 2005 . Despite having a common maturity date, TDFs can have significant differences. Previously, Greg was the Head of iShares Equity Portfolio Management team within BlackRock's Index Equity team where he was responsible for overseeing the management of the Americas listed iShares equity funds. They include: The Code of Conduct that tells every Sun Life employee and advisor how we expect them to act; Disciplined and well-ordered risk management systems For example, a younger worker hoping to retire in 2065 would choose a target-date 2065 fund, while an older worker hoping to retire in 2025 would choose a target-date 2025 fund. Subscibe to Sunlife's Brighter Life emails for personalized tips, tools and offers. SLGI Granite Target Date and Granite Target Risk enhancements, Canadian Fixed Income (Sun Life Granite Target Risk Funds only), RightDirections™ Employee Assistance Program, Professional Associations and Affinity Groups. Note that this change is not applicable to the Sun Life Granite Target Date series of Funds because they already offer broad credit exposure. Higher returns with target date funds *Includes all Target Date Funds offered on the Sun Life Group Retirement Services investment platform. Wellington is one of the largest fund managers in the world with over $US 1 trillion in AUM. Investing in a TDF ensures you have a professionally managed and diversified portfolio. Here’s how we can help you. I understand I can unsubscribe at any time and acknowledge that this email address belongs to me. You should review your retirement projections with your financial advisor annually to ensure they are still realistic. As Filipinos, we are hardworking and resourceful with our money. Funds appeal to customers looking for simple solutions for workplace retirement savings plans. In September 2016, BlackRock Asset Management Canada Limited (BlackRock) revised the benchmark returns for the BlackRock LifePath® Index Series of target date funds (the Funds) for the month of May 2016. Help limit the spread of COVID-19 with the COVID Alert app from the Government of Canada. These are target-date funds that mature in 2030 or earlier and after 2025. The target date fund choice for 20% of Fortune 100 companies * “On the forefront of the target-date industry” according to Morningstar; Target date funds have more than one job to do. Videos. Follow her @SherylSmolkin. Driving innovation. You can buy some of our insurance products online. Target date funds focus on a goal, such as retirement, and have asset mixes that change throughout the life of the fund. A study in late 2008 by Deloitte and the Investment Company Institute showed that 72% of defined contribution plans (e.g., 401k plans) offered target-date funds. Changes to the Sun Life Financial Universe Bond Segregated Fund – … To reach your destination successfully, you have to invest your money effectively over time. Changes to the Beutel Goodman Fixed Income team – April 4, 2016. Whether you decide to invest all or part of your retirement savings in a target-date fund is a personal decision. Following a glide path, the Fund … Investment news and analysis for financial advisers. Target Income Portfolios. The Sun Life Prosperity Funds are built with the Filipino investor in mind. If managing your own money for the next 30 years or more seems like a daunting challenge, a target date fund (TDF) may be the solution. Copies of the revised SIP&Ps are available on Sun Life’s Plan Sponsor Services website at SunLife.ca/sponsor. Designed for investors who anticipate retiring in or within a few years of the portfolio’s target retirement year at or around age 65. You may discover that you need to contribute more or work longer to finance the standard of living you’re looking for in retirement. Sun Life Capital Management (Canada) Inc. (“SLC”) is the sub-advisor of the core plus bond fund. But if managing your own money for the next 30 years or more seems like a daunting challenge, a target-date fund (TDF) may be the solution. This is done through the Sun Life Private Fixed Income Plus and Canadian Commercial Mortgage Funds (also sub-advised by SLC). Target-Date Funds in Retirement Plans . The GRS Investment Solutions team has reviewed the changes with SLGI and is comfortable with them. It will take some time to update our websites, materials and forms and until that is complete, all references to Sun Life Global Investments (Canada) Inc. … 2060 fund added to the BlackRock LifePath® Index Target Date Fund suite. The Sun Life Prosperity Achiever Funds will officially be launched to the investing public in January 2019. including Fidelity funds, certain third-party funds and products, and certain investment services. BlackRock Asset Management Canada Limited (BlackRock) has announced an update to the maturity process for the BlackRock LifePath® Index 2020 Fund (LifePath 2020 Fund). 50% Equity / 50% Fixed Income Low to Medium Risk. SLGI has changed the global fixed income exposure within all fund series. Target Wealth: The Evolution of Target Date Funds 5 3vestment problem The in In the most basic TDF, there are only two possible investments: a bond index and an equity index. Make well-informed decisions with helpful advice. 3 Effective May 24, 2019, the Sun Life Multi-Strategy Target Return fund changed investment objective and sub-advisor to become the Sun Life Opportunistic Fixed Income Fund (sub-advised by Wellington). Introducing The Merriman Ultimate Target-Date Portfolios Target Date Funds: America’s #1 Retirement Investment. You’ve opened a registered retirement savings plan (RRSP) or joined the company-sponsored savings plan and you’re making regular contributions. Rankings. The performance data shown in tables and graphs on this page is calculated in USD of the fund/index/average (as applicable), on a Bid To Bid / Nav to Nav basis, with gross dividends re-invested on ex-dividend date. Sun Life Assurance Company of Canada purchases units of the funds listed below, which are established as segregated funds in accordance with the Insurance Companies Act (Canada). Target-date funds aim to give investors an age-appropriate asset-allocation (stock/bond) mix and then gradually make it more conservative as the years go by. Data privacy principles. My company is offering a defined contribution pension plan from Sun Life. The Sun Life Granite funds are a suite of multi-manager solutions designed to help plan members save for their retirement. To select the most suitable fund, all you have to do is answer one question: When do I plan to use the money? Awards and recognition we’ve received. Life-cycle funds are also known as "age-based funds" or "target-date retirement funds." Plan sponsors may wish to consider whether this investment news has any implications for the investment options available within their plans. Fund All you have to know is what year you plan to retire. The first challenge with target-date funds is that all funds are not created equal. Select the Target Risk Fund that most closely matches your risk profile. This makes investing a viable opportunity to build and grow wealth for our financial goals. However, that doesn’t mean you can completely “set and forget” your retirement savings until it’s time to cash in your chips. An index fund has operating and other expenses while an index does not. Sun Life Granite Income Portfolio. Neither asset allocation nor diversification ensures a profit or guarantees against loss. If you are uncomfortable with risk, you may want to look at a TDF that offers a guaranteed maturity value. Available in Target Date, Multi-Risk Target Date, Target Risk and Income strategies—all Granite funds offer broad diversification with … I understand I can unsubscribe at any time and acknowledge that this email address belongs to me. TORONTO, Sept. 21 2009 – In just four years of offering lifecycle target date funds to Canadian employers and employees, the combined assets of target date funds available to group plans administered by Sun Life Financial are now more than $1 billion. Beginning of dialog window. They may also soften the downside of tough markets - especially as retirement appears on the horizon. 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