LifeStage Investment Management
A smart and simple way to manage your retirement investments
LifeStage Investment Management is an automated investment service that helps you maintain a well-diversified retirement portfolio without the need for hands-on management. The service creates a personalized investment strategy based on personal factors like age and risk tolerance, then automatically adjusts over time to keep your investments aligned with your long-term goals.
Why Consider LifeStage Investment Management?
Choosing how to invest for retirement can feel complicated. LifeStage Investment Management may be a helpful solution if you:
- Prefer a guided, “hands-off” investment approach
- Want your investments to automatically adjust as you move through different stages of life
- Appreciate having your account automatically monitored and rebalanced for you
- Prefer not to spend time researching and managing investment decisions
- Want a strategy that aligns with widely accepted principles of long-term investing
However, the service may not be the best fit for someone who:
- Enjoys actively managing their own investments
- Has specialized financial circumstances
- Prefers to design a custom investment strategy with a financial professional
How It Works
LifeStage Investment Management uses a disciplined, model-based approach to manage your retirement investments. It considers several key personal factors—such as age and risk tolerance—to determine an appropriate investment mix.
LifeStage Investment Management invests across Wespath funds, taking advantage of Wespath’s breadth of options.
Ongoing Monitoring and Rebalancing
Over time, financial market fluctuations can shift the balance of your investments. LifeStage Investment Management periodically reviews your investment mix and rebalances the portfolio when needed to ensure you stay aligned with your long-term strategy.
This automatic rebalancing helps maintain portfolio diversification and helps keep your investments on track with your goals.
Key Features
Specific information about your personal account—including whether LifeStage Investment Management is optional or automatically applied—can be found in Benefits Access.
Personalized Investment Allocation
Your recommended investment portfolio is customized based on your broader financial profile and long-term objectives.
Automatic Adjustments Over Time
As you age or your risk preferences change, the service can update your investment mix to help keep your strategy aligned with your needs.
Professional Oversight
Investment decisions are made using a disciplined, research-driven process aligned with the philosophy and structure of Wespath’s investment funds.
No Additional Cost
Costs associated with LifeStage Investment Management are included in the overall fund expenses.
Availability
LifeStage Investment Management is available to individuals with eligible retirement accounts administered by Wespath.
Availability and requirements may vary by plan.
Additional Support
If you prefer a more hands-on approach or would like additional guidance, Wespath offers access to EY Financial Planning Services at no extra cost1 for eligible individuals. This resource can help you explore budgeting, planning, and broader financial strategies.
1 EY Financial Planning Services are available to active participants and surviving spouses with account balances, and to retired and terminated participants with account balances of at least $10,000.