Empower Small Cap Growth Fund Investor (MXMTX)

Overview

The fund is crafted for individuals targeting retirement around the year 2035, aiming to support the financial needs of investors as they transition into and during their retirement years. It endeavors to meet its investment objective by allocating assets across a diverse array of underlying funds, selected meticulously by investment professionals. Tailored for retirees who anticipate gradually drawing down their investments post-retirement, the fund’s strategy reflects a comprehensive approach to retirement planning. Despite being classified as non-diversified, the fund ensures diversity through its investment in a variety of underlying holdings, embodying a balanced mix designed to cater to the specific timeline and risk tolerance associated with investors eyeing retirement around 2035.

Products and Services

• Professionally Selected Mix of Underlying Funds

  This component of the fund encapsulates a professional selection process aimed at identifying a variety of underlying funds that collectively cater to the needs of prospective retirees. The selection is predicated on rigorous analysis to ensure the mix aligns with the retirement timeline of 2035, optimizing for both growth and safety as the retirement date approaches.

• Retirement Tailored Investment Strategy

  The investment strategy is meticulously designed to accommodate individuals planning to retire around 2035. It adapts over time, shifting from growth-focused assets towards more conservative investments as the target retirement date nears. This ensures that the fund's composition is responsive to the changing risk tolerance and income requirements of its investors as they move closer to and into retirement.

• Gradual Withdrawal Post-Retirement

  Understanding the financial dynamics of retirement, the fund is structured to support a gradual withdrawal framework, allowing for sustained income over the course of retirement. This approach is ideally suited for retirees who seek to draw down their investments in a manner that is both tax-efficient and aligned with their living expenses and lifestyle needs post-retirement.

• Diversification Through Underlying Holdings

  While the fund itself is categorized as non-diversified, it maintains a diversified investment profile through its underlying holdings. This strategy leverages diversification to mitigate risk and safeguard against market volatility, ensuring a more stable investment platform for those nearing retirement.