The road to retirement: help your participants get back on track

Having the right features and defaults, positioning participants for success.

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When it comes to planning for retirement, many participants may not have the time or the knowledge to get started. Default funds are a great way to help participants who may not otherwise have investment expertise, but these solutions have traditionally been limited to a one-size-fits-all approach.

Enhance your plan with Dynamic Default

We know that participant needs may change as they get closer to retirement, and that’s why we are taking default funds one step further to offer an innovative Dynamic Default feature:


Fund 1:
Young saver is defaulted to an investment positioned for growth opportunity


Automatic transition:
Move from one default investment to another at a given age


Fund 2:
Mature saver approaches retirement in an investment positioned for retirement-readiness

With this feature, participants can be defaulted into unique investments based on age. And as younger participants approach retirement, they can automatically transition to a more age-appropriate solution focused on retirement readiness.

Positioning participants for success

  1. Participants in professionally managed options tend to outperform those who self-direct their accounts1
  2. Plan Sponsors using auto-features see an increase in employee participation and grow plan assets at a faster rate2

When we help participants overcome indecision, we see success stories. And we know Plan Sponsors like you are concerned about delayed and cancelled retirements3. Which is why we offer new features like Dynamic Default to help participants get on track – and stay on track.

Pairing defaults with pension-like income

of retirement plan participants wish their
plans offered pension-like retirement

income streams3

When considering the types of benefits you want to deliver through Dynamic Default, one option is to incorporate a target date fund that offers income protection. This approach can deliver the simplicity of an auto-solution, with income that lasts for life.

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To add Dynamic Default to your plan, or to simply learn more, schedule an appointment.
1 "Made to Stick: The Drivers of Default Investment Acceptance in Defined Contribution Plans", Morningstar, 2020
2 "Implementation of Auto Features Continues to Rise as Plans Recognize Benefits", DCIIA, 2020
3 Nationwide Retirement Institute’s In-Plan Lifetime Income Survey, September 2023
Not a deposit • Not FDIC or NCUSIF insured • Not guaranteed by the institution • Not insured by any federal government agency • May lose value

This material is not a recommendation to buy or sell a financial product or to adopt an investment strategy. Investors should discuss their specific situation with their financial professional.

Provisions of these options may vary based on plan selection and/or by state regulation. These investment options may not be available in some states.

Guarantees are backed by the claims-paying ability of the issuing insurance company.

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