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Target Date Portfolio

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Changes your investment strategy over time to grow your money when you're young and reduce risk as you get older.

Risk Level
Varied
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Could be right for:
Anyone that wants a cost effective 'set and forget' investment

How It Works

The Target Date Portfolio evolves with you, adjusting your investment strategy as you age. When you're younger, it focuses on growth, and as you get older, it gradually reduces risk, aiming to protect your savings.

At PensionBee, the Target Date Portfolio is our default plan, because we believe this is a great plan to build a happy retirement. But you are able to switch to another plan whenever you choose.

Asset allocation
Target Date Portfolio asset allocation graph

How SPY and MDY Help

Investment Breakdown

The Target Date Portfolio, powered by SPY and MDY, offers a diversified mix of exchange-traded funds (ETFs) across various asset classes, designed to provide a gradually shifting allocation that balances growth and risk as the target date approaches:

U.S. Equities: Includes large-cap stocks (SPY), small-cap stocks (SPSM), and mid-cap stocks (MDY), giving exposure to a range of U.S. companies from different size categories.
International Equities: Provides global diversification with investments in developed markets outside the U.S. (SPDW) and emerging markets (SPEM).
Bonds: The portfolio includes several bond ETFs, such as those focused on U.S. investment-grade bonds (SPAB), inflation-protected securities (TIPX), short-term bonds (SPSB), and senior loans (SPHY), offering varying levels of risk and return.
Total Market Exposure: SPTS gives broad exposure to the entire U.S. stock market, including large, mid, and small-cap stocks.

Check Out Our Other Plans

Be Retirement Confident.

Roll over all your old 401(k)s into a PensionBee Individual Retirement Account (IRA). It takes just a few minutes to sign up.

Get started
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Documents and Resources

PDF
PensionBee Brochure
PDF
Privacy Policy
Investment Advisory Contract
PDF
Customer Relationship Summary
PDF
Terms and Conditions
PDF

PensionBee Inc. is registered with the SEC as an investment adviser. We do not provide in-person advice.

Telephone logo

General inquiries: (718) 502-9433
Press inquiries: (718) 502-9957

Email logo

General inquiries: [email protected]
Press inquiries: [email protected]
Partners: [email protected]

PensionBee, 85 Broad Street,
New York, NY 10004

Copyright 2024. PensionBee Inc. (Delaware Registration Number SR20241105406) is located on 85 Broad Street, New York, NY 10004. PensionBee Inc. is registered with the SEC as an investment adviser (CRD # 331741/SEC#: 801-130697). A copy of PensionBee Inc.'s Brochure, containing our written disclosure statement discussing our business operations, services, and fees, is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or from us. PensionBee Inc. does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to PensionBee Inc.’s web site or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.
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Information presented does not intend to make an offer or solicitation for the sale or purchase of any specific securities or  investments. Past performance is not indicative of future performance. Investments involve risk and are not guaranteed.  This website and information are not intended to provide tax or legal advice.

State Street Global Advisors is not involved in the management of the strategies and accounts offered to you by PensionBee. State Street Global Advisors and its affiliates are not your investment adviser and are not a fiduciary with respect to you or your account. PensionBee is independent of State Street Global Advisors. State Street Global Advisors is not recommending or endorsing PensionBee or making a determination of the suitability or appropriateness for any individual products or investment strategies offered by PensionBee, including those described herein. Standard & Poor's®, S&P® and SPDR® are registered trademarks of Standard and Poor’s Financial Services LLC(S&P); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC (Dow Jones); and these trademarks have been licensed for use by S&P Dow Jones Indices LLC (SPDJI) and sublicensed for certain purposes by State Street Corporation. State Street Corporation’s financial products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones or S&P, their respective affiliates and third party licensors and none of such parties make any representations regarding the advisability of investing in such product(s) nor do they have any liability in relation thereto, including for any errors, omissions or interruptions or any index.

The SPDR® S&P500 ETF®, SPDR® S&P MIDCAP 400® ETF, SPDR® Dow Jones Industrial Average ETF are exchange traded funds with the investment objective to correspond to the price and yield performance of the S&P 500® Index, S&P®MidCap 400®IndexTM and Dow Jones Industrial AverageSM. The shares of the SPDR® S&P 500® ETF, S&P MIDCAP 400® ETF, SPDR® Dow Jones® Industrial Average ETF represent individual ownership interest in the Trust’s portfolio.

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