Target date mutual funds are a straightforward concept for defined contribution plans: Participants get a well-diversified fund that becomes more conservative as they near retirement, all in one convenient investment. The Wells Fargo Advantage Dow Jones Target Date Funds are a particularly responsible choice for defined contribution plans.
What sets our suite of target date funds apart from the pack:
- Downside risk discipline near retirement
Our funds are designed to provide risk-appropriate returns throughout the glide path, with the risk level near retirement becoming more conservative. This helps preserve assets near retirement against both untimely market shocks and poorly timed investment decisions by participants.
- Unparalleled depth of exposure
Our asset allocation strategy provides broad diversification with 7000+ securities. Sleeves within each asset class are weighted equally, providing meaningful exposure to 14 subasset classes to optimize risk-adjusted returns.
- A sound choice for fiduciaries
Our methodology is objective, systematic, and repeatable. Each fund's strategy mirrors the Dow Jones Target Date Indexes, offering transparency and style-pure passive management.
- History of leadership
Wells Fargo has been pioneering innovations in target date investing since 1994.
James P. Lauder
CEO Global Index Advisors
Subadvisor to Wells Fargo Advantage Dow Jones Target Date FundsSM
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The target date represents the year in which investors may likely begin withdrawing assets. The funds gradually seek to reduce market risk as the target date approaches and after it arrives by decreasing equity exposure and increasing fixed-income exposure. The principal value is not guaranteed at any time, including at the target date.
Diversification does not assure or guarantee better performance and cannot eliminate the risk of investment losses.
Stock values fluctuate in response to the activities of individual companies and general market and economic conditions. Bond values fluctuate in response to the financial condition of individual issuers, general market and economic conditions, and changes in interest rates. In general, when interest rates rise, bond values fall and investors may lose principal value. The use of derivatives may reduce returns and/or increase volatility. Certain investment strategies tend to increase the total risk of an investment (relative to the broader market). These funds are exposed to active trading risk, foreign investment risk, mortgage- and asset-backed securities risk, smaller-company investment risk and allocation methodology risk (risk that the allocation methodology of the Dow Jones Target Date indexes, whose total returns the funds seek to approximate, before fees and expenses, will not meet an investor’s goals). Consult the funds' prospectus for additional information on these and other risks.
"Dow Jones®" and "Dow Jones Target Date IndexesSM" are service marks of Dow Jones Trademark Holdings, LLC (""Dow Jones"), have been licensed to CME Group Index Services LLC ("CME Indexes") and have been sublicensed for use for certain purposes by Global Index Advisors, Inc, and Wells Fargo Funds Management, LLC. The Wells Fargo Advantage Dow Jones Target Date FundsSM based on the Dow Jones Target Date IndexesSM, are not sponsored, endorsed, sold or promoted by Dow Jones, CME Indexes or their respective affiliates and none of them makes any representation regarding the advisability of investing in such product(s).