Target Date Portfolios

Many Important Events in Life

Life is full of important milestones—retirement, your children’s education, starting a business—and planning ahead can bring peace of mind. With ICM TARGET Date Portfolios, preparing for these events has never been easier. Our tailored investment solutions help you grow your savings with a clear goal and timeline in mind.

 

Why Choose TARGET Date Portfolios?

 

• Retirement - it is always good to have some money on the side for when you stop working so you can maintain your standard of leaving and maybe continue helping your children or grandchildren. You probably already have other ways to store and increase your wealth like investments in properties, or in your own business, or contributions to retirement funds. However, it is always good to include an additional savings tool, that is not correlated or dependent on the others. 

 

• Education of your children - Tuition costs can be significant, from primary school through university. Start saving early with our Target Portfolios, designed to help you meet education expenses when the time comes.

 

• Launching Your Business: Got a great business idea? Having capital ready makes all the difference. Use our Target Portfolio to accumulate funds over the next few years and confidently take the leap into entrepreneurship.

How it Works:

Financial markets can be unpredictable, and different asset classes come with varying levels of risk. Over the long term, stocks tend to deliver the best returns, but being fully invested in stocks right when you need your money can be risky—stock prices might drop significantly just when you want to access your funds.

That’s why the Target-Date approach has become so popular, especially in the US, where Target Date Funds are a common choice for retirement savings. The idea is simple: as your target date approaches, your portfolio’s allocation shifts gradually—from higher-growth, higher-risk stocks when there’s plenty of time, to safer investments like mature, dividend-paying stocks, and eventually to liquid bonds and cash as you near your goal.

You can manage these adjustments yourself by moving between growth-focused and income-focused portfolios, but timing these shifts correctly can make a big difference in your overall returns. If you’d rather focus on what you do best and leave the investment decisions to the experts, our professionally managed Target Date Portfolios are designed to do just that—helping you stay on track and reduce risk as your important financial milestones approach.