Target Date Portfolio

Choosing the right Portfolio for your retirement needs

Summit Trust's Target Date Portfolios are designed to take the burden, complication and guesswork out of saving for retirement. These portfolios utilize the underlying strategy of our traditional STAMP IRA Portfolios, but are managed to become more conservative as the investor gets closer to retirement. When choosing a TD Portfolio, only one question must be answered: “When would you like to retire?” With that question answered, you can relax knowing that you have a portfolio designed and managed to be ready for your stage of retirement!

At retirement, your portfolios will be positioned to continue to experience growth to keep pace with inflation while generating income for your golden years.

TD/EFS BALANCED INCOME: - The Target Date/EFS Balanced Income Portfolio is designed for people who have already retired. This is the most conservative of the Target Date/EFS Portfolios. It is designed to provide a constant stream of income through fixed income holdings while still growing moderately through equity. All other Target Date/EFS Portfolio allocations eventually mirror the Balanced Income Fund.

TD/EFS : 2010 - The Target Date/EFS 2010 Portfolio is designed for people planning on retiring in 2010 and up to 10 years after January of 2010. Over time, this portfolio will slowly change to a more conservative allocation by replacing a portion of equity with fixed income every 5 years. In the year 2010, this portfolio will mirror the current allocation of the Target Date/EFS Balanced Income Portfolio.

TD/EFS: 2020 - The Target Date/EFS 2020 Portfolio is designed for people planning on retiring in 2020 and up to 10 years after January of 2020. Over time, this portfolio will slowly change to a more conservative allocation by replacing a portion of equity with fixed income every 5 years. In the year 2020, this portfolio will mirror the current allocation of the Target Date/EFS Balanced Income Portfolio.

TD/EFS: 2030 - The Target Date/EFS 2030 Portfolio is designed for people planning on retiring in 2030 and up to 10 years after January of 2030. Over time, this portfolio will slowly change to a more conservative allocation by replacing a portion of equity with fixed income every 5 years. In the year 2030, this portfolio will mirror the current allocation of the Target Date/EFS Balanced Income Portfolio.

TD/EFS: 2040 - The Target Date/EFS 2040 Portfolio is designed for people planning on retiring in 2040 and up to 10 years after January of 2040. Over time, this portfolio will slowly change to a more conservative allocation by replacing a portion of equity with fixed income every 5 years. In the year 2040, this portfolio will mirror the current allocation of the Target Date/EFS Balanced Income Portfolio.

TD/EFS: 2050 - The Target Date/EFS 2050 Portfolio is designed for people planning on retiring in 2050 and up to 10 years after January of 2050. Over time, this portfolio will slowly change to a more conservative allocation by replacing a portion of equity with fixed income every 5 years. In the year 2050, this portfolio will mirror the current allocation of the Target Date/EFS Balanced Income Portfolio.

For more information on the Target Date Portfolios, click here to contact your Summit Trust Independent Trust Consultant today.