Target Date Funds

Asset allocation is the cornerstone of long-term investment strategy for retail and institutional investors alike. The MASS Group provides asset allocation and management services in a variety of vehicles to meet clients’ needs.

• Pre-packaged targetdate funds and risk based portfolios designed expressly for participants in both the accumulation and retirement phases
• Customized asset allocation glide paths that recognize the unique characteristics of your employee population

Forward-Looking Asset Allocation Process

To position portfolios to outperform over a future market cycle, we make longterm capital market forecasts of risk, return and correlations. We overweight the recent past, because globalization and synchronization of markets have increased correlations among asset classes in recent years. To protect investors from reliance upon diversification benefits that may not be there when needed, we conduct extensive studies to refine our target allocations and construct optimal portfolios in line with capital market realities.

Target Date and Risk-Based Portfolios

A suite of target-date and riskbased institutional funds-of-funds are designed to meet the needs of retirement plan participants who prefer a single diversified mutual fund investment option. This series is distinguished by their broad diversification and open architecture, drawing from a universe of more than 70 mutual funds. The MASS Group provides strategic and tactical asset allocation and glide path design, which forms the framework within which the solution portfolios are managed. These portfolios satisfy the criteria for qualified default investment alternatives (QDIAs) described in the final regulations of the Pension Protection Act of 2006.

Custom Glide Path Construction

Not all companies and participant populations are alike. By understanding our client’s plan objectives, specific factors such as: demographics, salary projections manager preferences and income replacement targets, the MASS Group works with clients and their consultants to develop a custom glide path approach that will control short term volatility and provide long term advantages and flexibility to succeed in changing market conditions.