To provide you maximum flexibility in offering effective retirement plan investments to participants, we offer Lincoln LifeSpanSM custom portfolio service.
Offer custom portfolios using funds in your lineup
This service will allow you to design portfolios from a plan’s existing lineup to create customized portfolios tailored to your client's needs. Each portfolio may be offered as a Qualified Default Investment Alternative (QDIA).
A sophisticated administrative platform
Highly experienced in complex plan administration, Lincoln has remained at the forefront of the industry to offer the Lincoln LifeSpan service to plans for more than a decade. This level of customization, typically available to only the largest defined contribution plans, is available for all plans under the Lincoln Alliance® program.
Provide participants with flexibility
Plan participants may prefer making an all-in-one choice as their retirement approach. A wide range of portfolios can be developed, from target-risk portfolios to target-date portfolios — and any combination of the two.
You may choose from the following types of custom portfolios:
|Combination target-risk and target-date||Conservative, moderate and aggressive glide paths|
A single glide path*
Conservative, moderate and aggressive risk-based portfolios
Intended for participants in retirement or within five years of retirement
*When a portfolio reaches its target date (e.g., 2035), the assets in the portfolio are transferred to the Retirement Allocation Portfolio.
Automatic rebalancing and periodic allocation changes
Understanding that periodic portfolio rebalancing plays a key role in mitigating risk, LifeSpan portfolios are rebalanced quarterly to ensure that they remain consistent with their intended strategies.
Access to flexible fiduciary support
Depending on fiduciary needs, you may decide to engage your consultant or advisor as either an ERISA 3(21) fiduciary to provide advice related to the portfolios or as an ERISA 3(38) fiduciary to provide discretionary investment management services for the portfolios or you can delegate the role of custom portfolio design and oversight to Morningstar Investment Management LLC, a subsidiary of Morningstar. Morningstar will act as a 3(38) discretionary fiduciary under this service.
For more information about adding Lincoln LifeSpan custom portfolios to your clients lineup, contact your retirement plan representative.