Self-Directed Investing May Present Challenges

A John Hancock study of defined contribution retirement plan participants who choose to create their own investment lineup shows many are either saving too much or too little in equity investments for their age range.

CRA employee participants have the choice of either creating their own investment portfolio from our fund lineup or selecting a target date portfolio that is professionally designed for various age ranges and projected retirement ages. TDPs can simplify investing by providing a convenient “cruise-control” alternative that automatically becomes more conservative as you get closer to retirement. They also manage the glide path after retirement to help meet ongoing income needs.

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