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TargetFit

A more personalized approach

TargetFit

A more personalized approach

Moderate

Next comes your age and expected retirement date—important components to selecting the most appropriate time-based investment like a target date fund.

A target date fund for this year...

Is generally designed for the typical investor expecting to retire...

2010 / Income
by the year 2014
2020
between the years 2015 and 2024
2030
between the years 2025 and 2034
2040
between the years 2035 and 2044
2050
between the years 2045 and 2054
2060
between the years 2055 and 2064

This table reflects target date funds in ten year increments. Target date funds may also be available in five-year increments.

Retirement Calculator

Enter in the following information to help determine what may be the most appropriate target date year.

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    TargetFit Series

xxxx

All information and any reference to a specific target date year is for educational purposes only and should not be considered investment advice. An investor should understand their risk tolerance and needs priorto making an investment decision. Investment decisions may result in loss of value.

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Moderate

Based on the information provided and a target date fund with 10-year increments, xxxx appears to be the most appropriate target date year.

A xxxx Target Date Fund is designed for the typical investor expecting to retire between the years xxxx and xxxx.*

TargetFit Series

Retirement age

xxxx

Target Date Year

xxxx

TargetFit Series

TargetFit Moderate

Designed to provide age-based allocation to stocks1 and bonds, similar to broad market allocations like those of the S&P Target Date Index.

A likely investor is one who has an average appetite for risk and is concerned with both protection of existing assets and growth of those assets.

1. A stock is a share of the value of a company which can be bought, sold or traded as an investment. (Source: Merriam-Webster.) Stocks may be held directly by a purchaser or can also be available through investment vehicles, such as an Exchange Traded Fund (ETFs). Each TargetFit glide path line represents the midpoint between the maximum and minimum equity exposure. Actual equity and bonds and/or cash equivalents allocations are expected to be different from the graphic shown. The graphic does not presume any investment performance or result. Investments are subject to risk and may lose value.

2. Implied age assumes a retirement age of 67.

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The information provided was based on hypothetical examples to demonstrate the type of investor for whom each TargetFit Series was designed. The investment decision you make depends on your ability to identify your risk tolerance and needs in order to realize your retirement goals. If you are unsure of your risk tolerance and retirement needs and would like assistance, please contact your company retirement plan advisor for help.

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Use the dropdown box below to log in to your retirement plan provider’s website and select the appropriate TargetFit strategy. If you have any questions or cannot locate your provider, please contact your company’s retirement plan advisor.

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To learn more about the S&P Target Date indices, click here.

* The number in the name of the TargetFit target date strategy designates an approximate year in which an investor plans to start withdrawing money. As the TargetFit strategies are spaced 10 years apart, the summary above displays the strategy that most closely aligns with your anticipated retirement year.

The S&P Target Date Index Series comprise multi-asset class indices, each corresponding to a particular target retirement date. Each index provides varying levels of exposure to equities and fixed income, and each target date allocation is created and retired according to a pre-determined schedule related to the respective target date.

The Stadion TargetFit Strategies Collective Investment Trust Series are funds that are Collective Investment Trusts (CITs) created by Benefit Trust Company and administered by Benefit Trust Company, as trustee. Its shares are not deposits of Benefit Trust Company and are not insured by the FDIC or any other agency. The CITs are not mutual funds. The CITs are securities which have not been registered under the Securities Act of 1933 and are exempt from investment company registration under the Investment Company Act of 1940. Stadion Money Management, LLC is the sub-advisor to the TargetFit Strategies Collective Investment Trusts.

The cumulative effect of fees and expenses can substantially reduce the growth of your retirement savings. Visit the Department of Labor’s Web site for an example showing the long-term effect of fees and expenses at http://www.dol.gov/ebsa/publications/401k employee.html. Fees and expenses are only one of the many factors to consider when you decide to invest in an option. You may also want to think about whether an investment in a particular option, along with your other investments, will help you achieve your financial goals.

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