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What is a glide path?

Using our default risk settings, your target asset allocation will be automatically adjusted over the time horizon of your investment. This is called your investment plan’s glide path.

In the early years, growth-oriented assets such as stocks, real estate and commodities make up as much as 80% of the portfolio with the balance allocated to conservative, fixed-income assets.

As you move toward the end of your investment time horizon, the allocation to growth assets is gradually reduced in favor of low-risk and conservative assets such as bond ETFs. At the end, growth-oriented assets can make up around 35% of the portfolio while fixed-income assets represent 65%.

You will always be informed of the changing allocations as part of an annual rebalance and can opt-out at any time.