Target Date Funds: What You Need To Know

Webinar: ID# 1023173
Recorded CD
About This Course:
Many 401(k) plans offer target date funds as an investment choice. You will learn about the characteristics of a target date fund and what distinguishes a custom target date fund from an off-the-shelf target date fund.

For plan fiduciaries, you will also learn about your fiduciary responsibilities in selecting target date funds as a 401(k) plan investment option and the prudent process that can be undertaken to fulfill these duties and minimize risk.


Explore What Is a Target Date Fund
  • Types of Investment Vehicles That Can Be Target Date Funds
  • Mutual Fund
  • Collective Trust
  • Managed Account
  • Asset Allocation Service
  • The Distinction Between a Custom and Non-Custom (Off-The-Shelf) Target Date Fund and the Related Considerations for Each
Investment Strategy and Characteristics of a Target Date Fund
  • Characteristics of the Asset Allocation
  • How It Changes Over Time (I.E., the Glide Path)
  • The Rate at Which It Changes (I.E., the Slope)
  • What Is Meant by a "to Retirement Date" and "Through Retirement Date" Approach
ERISA Considerations When Target Date Funds Are Offered as 401(K) Investment Options or as a Qualified Default Investment Alternative of the Plan
  • Department of Labor Guidance and the Fiduciary Responsibilities of Plan Fiduciaries, Including Those Individuals That Serve on Plan Investment Committees
  • The Process That Should Be Established to Prudently Select and Monitor Target Date Funds to Satisfy These Rules
  • Participant Disclosure Obligations That Must Be Satisfied
About The Presenter

Joan Neri
  • Counsel at the nationally recognized law firm of Drinker Biddle & Reath LLP where she focuses on all aspects of employee benefits counseling
  • More than 28 years of experience, she works with major publicly-held corporations, closely held corporations, U.S. affiliates of foreign corporations and tax-exempt organizations on matters involving benefits and compensation, with a focus on all aspects of ERISA compliance
  • Represents employers, management and plan fiduciary committees on their fiduciary compliance responsibilities and advises them on the design of qualified retirement plans (including ESOPs), nonqualified executive compensation plans and welfare benefit plans, day-to-day plan administrative issues and transactional planning involving benefit plan acquisitions, plan mergers and plan terminations
  • Represents plan service providers (including registered investment advisers, broker-dealers, third party administrators, and record keepers) in fulfilling their obligations under ERISA, including fiduciary status and the considerations associated with structuring, developing and offering investment products and services to ERISA plans
  • Extensive experience in counseling clients on ERISA issues pertaining to target date funds
  • Recently assisted a global investment manager in the launch of its custom target date fund strategies for ERISA plans, advising on ERISA fiduciary, disclosure, QDIA requirements and other technical compliance issues
  • Frequent speaker throughout the country on legislative and regulatory developments impacting services providers to ERISA plans, ERISA fiduciaries and employee benefit plans and has authored numerous articles on these topics
Target Date Funds: What You Need To Know
Available on CD format
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