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Target Date Story
Target Date Resources

Target Date Series from The Principal

Retirement is a Journey, not a Destination

A glide path is a representation of how we manage a series over time and how it becomes increasingly conservative as it nears the target date. Watch portfolio manager Jeff Tyler discuss the four key participant risks we take into consideration when constructing our glide path:

  • Capital/market risk: the potential for loss of capital - this becomes more important as the investor and the portfolio approach the target date
  • Inflation risk: the risk of losing real purchasing power over time
  • Longevity risk: the risk of outliving your savings
  • Shortfall risk: the risk of falling short of the retirement savings goal (not saving enough)

We understand that what is appropriate for an investor at age 65 may not be appropriate at age 85. Our "through retirement" approach continues to consider an investor's needs as they change while keeping the appropriate amount of risk in mind.

The images below are depictions of the Principal LifeTime Portfolios glide path and the Principal TrustSM Target Date glide path. Each glide path shifts assets to traditionally more conservative investments as the target date approaches.

Hover over the orange teardrops in the above glide path image to see the asset allocation based on years to retirement.


Hover over the orange teardrops in the above glide path image to see the asset allocation based on years to retirement.


Additional Important Information

No investment strategy, such as asset allocation or diversification, can guarantee a profit or protect against loss in periods of declining values.

Investors should carefully consider a mutual fund's investment objectives, risks, charges and expenses prior to investing. A prospectus, or summary prospectus if available, containing this and other information can be obtained by contacting a financial professional, visiting principal.com, or calling 1.800.547.7754. Read the prospectus carefully before investing.

Before directing retirement funds to a separate account, investors should carefully consider the investment objectives, risks, charges and expenses of the separate account as well as their individual risk tolerance, time horizon and goals. For additional information contact us at 1.800.547.7754 or by visiting principal.com

Investment options are subject to investment risk. Shares or unit values will fluctuate and investments, when redeemed, may be worth more or less than their original cost.

Asset allocation does not guarantee a profit or protect against a loss. Equity investment options involve greater risk, including heightened volatility, than fixed-income investment options. Fixed-income investment options are subject to interest rate risk, and their value will decline as interest rates rise. International and global investment options are subject to additional risk due to fluctuating exchange rates, foreign accounting and financial policies, and other economic and political environments. These risks are magnified in emerging markets.There is no guarantee that a target date investment will provide adequate income at or through retirement.

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Contact Us

Our Advisor Support Team can help financial professionals put our target date series to work for your clients today, 1.800.952.3343.

Individual investors can learn more by calling 1.800.986.3343.

For more information visit principal.com.

For more information visit principal.com

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