MFS® Lifetime® Funds: supporting wealth creation for all participants
What makes Lifetime Different?
All target date funds employ asset allocation strategies, but that doesn’t make them all the same. Target date managers take widely varying approaches to their asset allocation “glide path,” the gradual de-risking of a fund’s asset allocation as participants age.
Compared with industry averages, the MFS glide path is more progressive, seeking higher returns in a target date fund’s earlier years and a lower exposure to risk as participants approach and then reach their planned retirement date.
MFS Lifetime Funds: A target date fund leader for the long term
- 100 years of investment management experience
- 50+ years of designing asset allocation solutions
- 18-year track record of competitive target date performance
MFS can help your clients seek successful retirement outcomes.
For an illustration of how the fund’s target asset allocation change over time from its inception through its target date, see mfs.com.
Check out our Defined Contribution Insights:
Explore MFS Lifetime
- More than a Decade of Target Date Stewardship Brochure
- Funds That do the Work for You
- MFS Lifetime Funds Executive Summary
- Founded on Expertise, Focused on Outcomes
- Guide to Choosing an MFS Lifetime Target-Date Fund
Stay on top of a changing world
- Retirement Plan Investment Vehicles: The Growing Use of CITs
- DC Pulse
- 2024 Retirement Outlook
- The Road to Better Outcomes
Social Security Resources
Delve into retirement insights
- Sequence of Returns Risk
- The Retirement Income Dilemma
- The Retirement Income Roadmap
- Retirement at a Glance
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Our approach to practice management
MFS® Lifetime® Funds
Past performance is no guarantee of future results.
Important risk considerations:
MFS Lifetime Income Fund: The fund may not achieve its objective and/or you could lose money on your investment in the fund. There is no guarantee that the fund will provide adequate income at and through your retirement.
MFS Lifetime 2025 – 2065 Funds: The fund may not achieve its objective and/or you could lose money on your investment in the fund. You may experience losses near, at, or after the target date. There is no guarantee of the fund's principal value, including at the target date, or that the fund will provide adequate income at and through your retirement.
Stock: Stock markets and investments in individual stocks are volatile and can decline significantly in response to or investor perception of, issuer, market, economic, industry, political, regulatory, geopolitical, environmental, public health, and other conditions.
Bond: Investments in debt instruments may decline in value as the result of declines in the credit quality of the issuer, borrower, counterparty, or other entity responsible for payment, underlying collateral, or changes in economic, political, issuer-specific, or other conditions. Certain types of debt instruments can be more sensitive to these factors and therefore more volatile. In addition, debt instruments entail interest rate risk (as interest rates rise, prices usually fall), therefore the Fund’s share price may decline during rising rates. Funds that consist of debt instruments with longer durations are generally more sensitive to a rise in interest rates than those with shorter durations. At times, and particularly during periods of market turmoil, all or a large portion of segments of the market may not have an active trading market. As a result, it may be difficult to value these investments and it may not be possible to sell a particular investment or type of investment at any particular time or at an acceptable price. The price of an instrument trading at a negative interest rate responds to interest rate changes like other debt instruments; however, an instrument purchased at a negative interest rate is expected to produce a negative return if held to maturity.
International: Investments in foreign markets can involve greater risk and volatility than U.S. investments because of adverse market, currency, economic, industry, political, regulatory, geopolitical, or other conditions.
Underlying funds: MFS’ strategy of investing in underlying funds exposes the fund to the risks of the underlying funds. Each underlying fund pursues its own objective and strategies and may not achieve its objective. In addition, shareholders of the fund will indirectly bear the fees and expenses of the underlying funds. Please see the prospectus for further information on these and other risk considerations.
Please see the prospectus for further information on these and other risk considerations.
You should recommend products based on your client’s financial needs, goals, and risk tolerance.
Unless otherwise indicated, logos and product and service names are trademarks of MFS® and its affiliates and may be registered in certain countries.
Before investing, consider the fund’s investment objectives, risks, charges, and expenses. For a prospectus or summary prospectus containing this and other information, contact MFS or view online at mfs.com. Please read it carefully.
FOR INVESTMENT PROFESSIONAL AND INSTITUTIONAL USE ONLY. Should not be shown, quoted, or distributed to the public.
MFS FUND DISTRIBUTORS, INC., MEMBER SIPC, BOSTON, MA