To help your employees build a secure retirement, Northern Trust has re-engineered the target date fund to prepare them to live well, for life.


Invest With Confidence

Take the guesswork out of investing.

Learn how Life Engineered can take the guesswork out of investing to help your employees build better retirement outcomes.

Not All Target Date Funds Are Created Equal

Sabrina Bailey
Head of DC Solutions

Sabrina Bailey
Head of DC Solutions

We've re-engineered the target date fund — to help your employees live well, for life.

More than70%of
participants turn to their employers for retirement advice and guidance.

How can you help your employees

Source: The Path Forward: DC Participants Want More, 2015, Northern Trust Asset Management.

Employees are looking for guidance — find out what else they want.

Taking the right risk at the right time

The funds invest in three distinct strategies — growth, inflation sensitive and income — three key objectives employees need to balance during each phase of life. To take the right risk at the right time.

Blending the best of active and passive management

Typical funds simply try to meet, or beat, a benchmark — measures we believe are irrelevant to participants’ true objectives of generating lifetime income.

That’s why we pioneered Engineered Equity.

Engineered Equity is Northern Trust’s proven, factor-based equity strategy that blends the best of active and passive management.

Our innovative approach to factor-based investing

Academic studies, including our own, have identified factors in the equity markets that have been proven to outperform over time. Strategically combining exposures to a subset of these factors provides Life Engineered portfolios the right volatility at the right time over a certain time horizon. The result is enhanced efficiency, controlled risk, persistent return and better investor outcomes.

Equity Factors

Protecting against inflation

Life Engineered incorporates a trio of real assets to help protect against one of the most pernicious threats to long-term investment goals — inflation.

Actively focused on income

We are pleased to bring participants the power of active management in fixed income investing. Life Engineered employs the active management of PIMCO, a highly recognized and respected market leader, to power the income and inflation-sensitive fund assets.

Taking the guesswork out of investing

Our adaptive and forward-looking glidepath was developed with participants’ investment and behavioral needs in mind. The result is a portfolio that’s sustainable throughout your employees’ careers, as well as their retirement.1


1Over time, the asset allocation becomes more conservative as a fund approaches its target date. Approximately ten years after a fund reaches its target date, it will merge into the Income Fund.

The examples anticipate a retirement age of 65.

Northern Trust Asset Management


At Northern Trust, we provide expertise that matters. We have a relentless drive to set new standards and deliver more. Life Engineered is just one of many solutions we have crafted to meet the changing needs of our clients and our world.

5th Largest

*As of 12/31/2016. Total AUM data as of 12/31/2016 was $942.5 billion, which included AUM managed by Northern Trust Corporation and Northern Trust Asset Management.

Ranking based on total worldwide assets under management. Source: Pensions & Investments 2015 Special Report on Money Managers appeared in the publication’s May 18, 2015, issue and is available online at Rankings based on total worldwide assets under management of $934.1 billion as of December 31, 2014. Ranking information reprinted with permission, Pensions & Investments, © Crain Communications, Inc.

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Important Notice

Northern Trust is a global multi-asset class investment manager serving clients worldwide. Through the combined resources of the Northern Trust Company, Northern Trust Investments, Inc. (NTI), Northern Trust Global Investments Limited, Northern Trust Global Investments Japan, K.K., NT Global Advisors, Inc. and 50 South Capital Advisors, LLC, a broad range of investment products and services are offered to personal and institutional markets around the globe.

The Northern Trust Life Engineered Funds are collective investment funds maintained by NTI as trustee. These are bank collective funds, not mutual funds. As provided in each Fund’s declaration of trust, the Funds are available for investment by qualified and governmental retirement plans. Each Northern Trust Focus Fund is composed of ten underlying collective investment funds for which NTI is trustee.

Information on collective investment funds managed by NTI is provided strictly for illustrative purposes and should not be deemed an offer to sell or a solicitation of an offer to buy shares of any collective investment funds described herein.

There are risks involved with investing, including possible loss of principal. The investment risks of the Northern Trust Life Engineered Funds change over time as their allocation changes. Principal invested is not guaranteed at any time, including at or after their target dates. In addition to the normal risks associated with equity investing, investments in smaller companies typically exhibit higher volatility. International investments may involve risk of capital loss from unfavorable fluctuation in currency values, from differences in generally accepted accounting principles or from economic or political instability in other nations. Risk controls and asset allocation models do not promise any level of performance or guarantee against loss of principal.

The views expressed in this microsite are those of NTI through the period as of the date appearing on this material and are subject to change based on market and other conditions. All material has been obtained from sources believed to be reliable, but its accuracy is not guaranteed. There is no representation or warranty as to the current accuracy, reliability of, completeness of, nor liability for, decisions based on such information.

This microsite was designed to provide investment education and not investment advice in accordance with ERISA guidelines regarding investment education and advice. Plan Sponsors are responsible for the selection of an NTI investment fund for inclusion as an investment election and any such selection is not based on investment advice provided by NTI. Plan participants are responsible for making the election to include an NTI investment fund in their individual retirement account and any such selection is not based on investment advice by NTI.

Distributing the information contained in this microsite will not discharge disclosure responsibilities under ERISA. Summary plan descriptions, summaries of material changes to your plan and summary annual reports still must be prepared and distributed, as must additional disclosures if your plan is intended to meet the fiduciary safe harbor under Section 404(c) of ERISA.

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