woman and man reading iPad

Understand your
investment options

Decide how to invest

For help on deciding which path is right for you, scroll down and read the details.

Investments in the Lincoln Financial retirement plans are organized by the type of fund into four tiers for ease and flexibility.

Before you evaluate the tiers available in your plan, decide how involved you want to be in building your portfolio, and identify the path that aligns with your approach.

  • ALL-IN-ONE PATH can help you create a simplified, all-in-one investment portfolio from Tier 1 State Street Target Retirement Fund1
  • MANAGE IT YOURSELF PATH can help you create your own portfolio of investments from Tiers 1-4
  • All-In-One
  • Manage It Yourself

If you prefer a simple approach to investing, the All-In-One Path may be right for you. From the first tier of investment options, simply choose the  State Street Target Retirement Fund1 that most closely matches your target date, for example, your expected retirement date. Each State Street Target Retirement Fund offers a diversified investment strategy, which is professionally managed to become more conservative as the target date approaches.

Select an investment option to learn more about it. 

Tier 1 - Asset Allocation

Target-date funds that provide a diversified portfolio that adjusts automatically based on a specific retirement year (target date).
Target-Date Funds
State Street Target Retirement Fund2
State Street Target Retirement Income Fund
State Street Target Retirement 2020 Fund
State Street Target Retirement 2025 Fund
State Street Target Retirement 2030 Fund
State Street Target Retirement 2035 Fund
State Street Target Retirement 2040 Fund
State Street Target Retirement 2045 Fund
State Street Target Retirement 2050 Fund
State Street Target Retirement 2055 Fund
State Street Target Retirement 2060 Fund
State Street Target Retirement 2065 Fund

The target date is the approximate date when investors plan to retire or start withdrawing their money. Some target-date funds make no changes in asset allocation after the target date is reached; other target-date funds continue to make asset allocation changes following the target date. (See prospectus for the fund’s allocation strategy.) The principal value is not guaranteed at any time, including at the target date. An asset allocation strategy doesn’t guarantee performance or protect against investment losses. A “fund of funds” has an additional level of expensing.

1Please use the latest version of Adobe Reader for the best viewing experience. Otherwise, you will not see all of the content presented in the document as intended.

2The target date is the approximate date when investors plan to retire or start withdrawing their money.

If you’d prefer to build a custom portfolio, the Manage It Yourself Path may be right for you. The Manage It Yourself Path allows you to create your own investment mix by choosing funds from Tiers 1 to 4. 

Select an investment option to learn more about it.

Tier 1 - Asset Allocation
Target-date funds that provide a diversified portfolio that adjusts automatically based on a specific retirement year (target date).
Target-Date Funds
State Street Target Retirement Fund1
State Street Target Retirement Income Fund
State Street Target Retirement 2020 Fund
State Street Target Retirement 2025 Fund
State Street Target Retirement 2030 Fund
State Street Target Retirement 2035 Fund
State Street Target Retirement 2040 Fund
State Street Target Retirement 2045 Fund
State Street Target Retirement 2050 Fund
State Street Target Retirement 2055 Fund
State Street Target Retirement 2060 Fund
State Street Target Retirement 2065 Fund
Tier 2 - Passive Core
Passively managed, low cost index funds that track the returns of a market index.

Core Fixed Income Index

State Street U.S. Bond Index Fund - Class K2

Large Cap Core Index

State Street S&P 500 Index Fund - Class N

Small-Mid Cap Index

State Street Russell Small / Mid Cap Index Fund - Class K2

International Index

State Street Global All Cap Equity Ex U.S. Index Fund - Class K2

Tier 3 - Active Core

Actively managed investment options with a variety of objectives ranging from conservative to aggressive.

Capital Preservation

Lincoln Stable Value Account (PDF)  

Fixed Income

Macquarie Diversified Income Trust

Real Return

PIMCO Diversified Real Asset Collective Trust

Large Cap Value

Macquarie Large Cap Value Trust - Class B

Large Cap Growth

American Funds Growth Fund of America
 

Small Cap Equity Value

Delaware Small Cap Value (R6)

Small-Mid Cap Equity Growth

Macquarie JSP Small and Mid-Cap Growth Trust (formerly Macquarie SMID-Cap Growth Trust)

International Equity Value

Acadian All-Country World ex-US Equity CIT Fund

International Equity Growth

MFS International Equity Growth

Tier 4 - Specialty Options

Investments that focus on company stock or individual securities and asset classes not represented in the other tiers.

Company Stock

LNC Stock Fund4

Self-Directed Brokerage Account

TD Ameritrade3 instructions and forms for participants not considered access personnel

TD Ameritrade3 instructions and forms for access personnel

The target date is the approximate date when investors plan to retire or start withdrawing their money. Some target-date funds make no changes in asset allocation after the target date is reached; other target-date funds continue to make asset allocation changes following the target date. (See prospectus for the fund’s allocation strategy.) The principal value is not guaranteed at any time, including at the target date. An asset allocation strategy doesn’t guarantee performance or protect against investment losses. A “fund of funds” has an additional level of expensing.

1The target date is the approximate date when investors plan to retire or start withdrawing their money.

2No front-end sales charge or redemption fee. For detailed fee information, refer to the Participant Fee Disclosure Notice Supplement at the Plan Information tab.

3Investment option not available for the nonqualified deferred compensation plans.

4Investment option not available for the LNL Agents' Money Purchase Pension Plan.

Once you decide on your approach, review your investment options from the tiers.  Keep in mind that over time, your investment approach may change as your situation changes.

If you have not made investment elections, any contributions made by you or on your behalf to your Lincoln retirement plan will be invested into the plan's Qualified Default Investment Alternative (QDIA) 1.
 

1The Qualified Default Investment Alternative (QDIA) for the qualified plans is also the default investment option for the nonqualified deferred compensation plans.

Take the next step

When you're ready to invest, log in to your account at  LincolnFinancial.com or  www.nolanlink.com
for nonqualified deferred compensation plans to make your investment elections.

Need help?

Your Lincoln Financial retirement consultants are committed to providing you with the information you need to help you meet your retirement goals. 

Set up time with a Lincoln Financial retirement consultant for a one-on-one consultation, in-person or over the phone, and get help creating an investment portfolio that matches your savings goals and risk profile.

Mutual funds in the Lincoln Alliance® program are sold by prospectus. An investor should carefully consider the investment objectives, risks, and charges and expenses of the investment company before investing. The prospectus and, if available, the summary prospectus contain this and other important information and should be read carefully before investing or sending money. Investment values will fluctuate with changes in market conditions, so that upon withdrawal, your investment may be worth more or less than the amount originally invested. Prospectuses for any of the mutual funds in the Lincoln Alliance® program are available at 800-234-3500.

The Lincoln Alliance® program includes certain services provided by Lincoln Financial Advisors Corp. (LFA), a broker-dealer (member FINRA) and an affiliate of Lincoln Financial Group, 1300 S. Clinton St., Fort Wayne, IN 46802. Unaffiliated broker-dealers also may provide services to customers. Lincoln Investment Advisors Corporation (LIAC) is the investment management organization of Lincoln Financial Group.

This material is provided by The Lincoln National Life Insurance Company, Fort Wayne, IN, and, in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY, and their applicable affiliates (collectively referred to as “Lincoln”). This material is intended for general use with the public. Lincoln does not provide investment advice, and this material is not intended to provide investment advice. Lincoln has financial interests that are served by the sale of Lincoln programs, products and services.