The asset allocation is characterized by a shifting from equities to fixed income over time, balancing the need for capital accumulation when an investor has ample time to invest with the increased need for capital preservation and liability management as an investor approaches, and then enters retirement.
Over time, the asset allocation demonstrates a general shift from equities to fixed income. Moreover, the asset allocation uses a different composition of assets over time – seven distinct asset classes are used to balance different risks inherent at different stages. One of the most noteworthy distinctions is the inclusion of TIPS as investors approach retirement to guard against inflation. Even the shortest-dated portfolios continue to remain diversified across seven asset classes, including TIPS, U.S. Small Cap Equities and Non-U.S. Equities.
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