hand drawing arrows Since most workers don’t save enough to see them through retirement, action to improve retirement outcomes is growing in urgency. (Photo: Shutterstock)

According to a report from the Georgetown University Center for Retirement Initiatives and Willis Towers Watson, target-date funds can be modified so that they might improve expected retirement income for individuals through the use of strategic assets that can also lower risk.

The report, titled “The Evolution of Target Date Funds: Using Alternatives to Improve Retirement Plan Incomes,” says that the underlying asset classes in TDFs can be expanded so that they include alternative investment strategies such as private equity, real estate and hedge funds, thus creating a “diversified TDF.”

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Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.

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