Скачать или смотреть DEBATE: Target Date Fund Risk vs. Growth | Defend Your Plan with Patented SLGP Safety

DEBATE: TDF Risk vs. Growth | Why the Patented Safe Landing Glide Path® is Prudent

Fiduciary Alert: Are your default retirement investments safe? This audio debate investigates why standard Target Date Funds (TDFs) expose participants to excessive risk, near retirement, risking massive lawsuits facing employers.

Traditional TDFs are "way too high at the target retirement date"—often up to 90% risky—leaving participants exposed to devastating Sequence of Return Risk (SoRR) during the critical "Risk Zone"

Soteria: The Superior QDIA Solution

Soteria (Software-as-a-Service, named for deliverance from harm,) facilitates Personalized Target Date Accounts (PTDAs), correcting the "one-size-fits-all shortcoming" of TDFs.

The foundation of Soteria is the patented Safe Landing Glide Path® (SLGP),, the only glide path that adheres to academic theory by ensuring a "safe landing" of very low risk at the target date.

--U-Shaped Structure: The SLGP employs a U-shaped lifetime investment path, reducing equity exposure severely in the Risk Zone before gradually "re-risking" in retirement,. This strategy, supported by research from Kitces and Pfau,, reduces shortfall risk

--Fiduciary Prudence: Soteria enables fiduciaries to implement a Superior Qualified Default Investment Alternative (QDIA) that explicitly manages SoRR.

--Low Cost: Soteria delivers this sophisticated, individualized solution at a cost below 20 basis points (bps), significantly undercutting Managed Accounts.

The next market crash will prove that TDFs that do not land safely are dangerous and imprudent. Ensure your plan upholds its fiduciary duty and chooses substantive prudence.

Request a Free Trial of Soteria Software: https://babyboomerinvesting.show/soteria

Ron Surz, President, Target Date Solutions Email: [email protected] Phone: (949)488-8339