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In this award-winning commentary, Ronald Surz, CIMA, analyzes style and sector returns to determine the underlying trends in both U.S. and foreign capital markets. He then compares performance over various time frames from three to 82 years to offer some needed perspective on equity, bond, and target-date fund returns, as well as probabilities on where the markets are headed for 2008.
Target-date funds follow a variety of glide paths and asset allocation models that make evaluating them against standard benchmarks difficult. One solution may be to classify target-date funds against a set of target-date indexes that are differentiated by risk level: conservative, moderate, and aggressive.
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