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While everyone would benefit from regularly saving for retirement, doing so may be harder for some than others based on a participant’s stage of life. We all face competing financial needs and priorities, and these challenges evolve throughout adulthood. As a defined contribution (DC) plan sponsor, it helps to recognize where participants fall in their life cycle and guide them accordingly. 

How can DC plan sponsors assist an audience that can range from a 20-something recent graduate to a 60-something employee who is ready to retire? How do you deliver a message that will resonate with a 20-year-old grandchild, 64-year-old grandparent, and the 42-year old bridging their generations?

These three situations are vastly different. Their individual needs and priorities are diverse. In addition to their distinct financial priorities and ability to save, these individuals consume information rather differently, too.

Important Risks: Investing involves risk, including the possible loss of principal. 

The views expressed herein are those of Schroders Investment Management (Schroders), are for informational purposes only, and are subject to change based on prevailing market, economic, and other conditions. The views expressed may not reflect the opinions of Hartford Funds or any other sub-adviser to our funds. The opinions stated in this document include some forecasted views. Schroders believes that they are basing their expectations and beliefs on reasonable assumptions within the bounds of what they currently know. The views and information discussed should not be construed as research, a recommendation, or investment advice, nor should they be considered an offer or solicitation to buy or sell any security. This information is current at the time of writing and may not be reproduced or distributed in whole or in part, for any purpose, without the express written consent of Schroders or Hartford Funds. 

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Insight from our sub-adviser, Schroders Investment Management
Fred Reish Headshot
Deb Boyden
Head of US Defined Contribution
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