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About MyCompass Index Funds

MyCompass Index is a target date solution offering a professionally managed, diversified, and personalized PATH to retirement.

MyCompass Index Funds

How Target Date Funds Work

Target date funds are professionally managed, diversified investment portfolios.

Each portfolio consists of a mix of investments appropriate to its target date so investing in a single portfolio can provide a robust diversification and asset allocation.

MyCompass Index is a target date fund solution offering professional management, diversification, and a simple way to invest for retirement.

In addition, several key features distinguish MyCompass Index from a typical TDF, including flexibility for your own personal risk tolerance, open-architecture manager selection, and low-cost management.

BlackRock-2

Risk-based
Glidepaths

 

Fiduciary to glidepath creation and asset allocation

Largest asset manager in the world with over $11.6 trillion in AUM1

Works with 60% of Fortune 100 firms2

Inventor of the target date fund (1993)3

Multiple glidepaths allow participants to easily choose their own path to retirement based on their personal needs and preferences
flexPATH

Independent Underlying
Fund Selection

 

Fiduciary to underlying investment selection and monitoring

Largest multi-glidepath target date fund manager (90% market share)4

Fastest growing target date fund manager with over $100 billion in AUM5

Robust investment search process

Quantitative research driven by the RPAG Scorecard SystemTM, serving 10M+ plan participants, 120K retirement plans and $1.6T in assets under management

Qualitative research driven by committee of 6 CFA and 2 CPFA charterholders

Voya

Exclusive to Voya Retirement Plans

 

 

Fiduciary providing the glidepath and the manager of some of the 
underlying funds

Voya Investment Management is one of the 50-largest institutional asset managers 
globally6

Voya Investment Management is a pioneer of the multi-manager target date approach, with 
20 years+ of experience7

Voya Fixed Account B is incorporated into the glide path to serve as the lowest volatility capital preservation option. The Fund invests in a guaranteed investment contract issued by Voya 

 

 

Discover Your PATH to Retirement

The Discover Your PATH tool is designed to measure your need to take investment risk, based on your projected savings at retirement. Risk tolerance is a combination of both desire and need to take investment risk. Many investors have an intuitive understanding of their desire to take investment risk, but may need a helping hand to better understand their need to take investment risk. Generally, investors who are on track for retirement can afford to de-risk and invest more conservatively to emphasize stability of their hard earned assets. On the other hand, investors who are behind saving for retirement may need to invest more aggressively to emphasize growth, and/or begin saving more in order to make up for a shortfall of current savings.

Discover Your PATH

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flexPATH_PieCharts

MyCompass Index Glidepaths

The glidepath needs of all plan participants are addressed with the availability of a conservative, moderate and aggressive glidepath.

After selecting the closest year (2025, 2035, 2045,  2055, or 2065) in which you expect to retire, consider both your comfort with risk as well as the amount of risk needed to accomplish your retirement goals when selecting the most appropriate retirement PATH.

Conservative PATH
Conservative
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Conservative PATH

Risk is limited because enough has been or is being saved to live on during retirement. The goal is to achieve a more consistent retirement income pattern throughout retirement.

Conservative PATH characteristics:

  • Retirement savings rate more than 12%
  • High account balance
  • Emphasis on stability and capital preservation in retirement
Moderate PATH
Moderate
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Moderate PATH

Risk can be moderate because current savings will accomplish most retirement goals. Additional risk is necessary to fully achieve all retirement goals, balanced with a more consistent income pattern.

Moderate PATH characteristics:

  • Retirement savings rate between 6-12%
  • Average account balance
  • Balance stability and long-term return in retirement
Aggressive PATH
Aggressive PATH-min
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Aggressive PATH

Risk is greater because current savings alone will not be enough to reach most retirement goals. The goal is to generate greater expected return through riskier investments in order to supply adequate income at and throughout retirement.

Aggressive PATH characteristics:

  • Retirement savings rate less than 6%
  • Low account balance
  • Emphasis on long-term return in retirement

Select Your Target Date Fund to View Asset Allocation

Stocks

This mix of global stocks seeks to provide growth for the flexPATH strategies. This allocation may also include exposure to commodities and real estate investment trusts, which seek to add diversification to the flexPATH strategies.

Bonds

Made up of exposure to U.S. inflation-protected bonds and other fixed income securities, these investments look to provide the strategies with reduced exposure to market risk and volatility

Use the drop down menus below to select the Risk Level and Vintage. Based on your selections, the pie chart will update to display the current Asset Allocation.

Fund Fact Sheets

MyCompass Index Conservative Retirement Fund Class F Class R
MyCompass Index Conservative 2035 Fund Class F Class R
MyCompass Index Conservative 2045 Fund Class F Class R
MyCompass Index Conservative 2055 Fund Class F Class R
MyCompass Index Conservative 2065 Fund  Class F Class R
MyCompass Index Moderate Retirement Fund Class F Class R
MyCompass Index Moderate 2035 Fund Class F Class R
MyCompass Index Moderate 2045 Fund Class F Class R
MyCompass Index Moderate 2055 Fund Class F Class R
MyCompass Index Moderate 2065 Fund Class F Class R
MyCompass Index Aggressive Retirement Fund Class F Class R
MyCompass Index Aggressive 2035 Fund Class F Class R
MyCompass Index Aggressive 2045 Fund Class F Class R
MyCompass Index Aggressive 2055 Fund Class F  Class R
MyCompass Index Aggressive 2065 Fund Class F  Class R
1. BLK-4Q24 Earnings Release

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2. Represents the number of organizations in Fortune's list of largest 100 companies (2022) that have a BlackRock investment product (12/31/22) in their DC plan
3. BlackRock. (n.d.). 30 years of LifePath target date fund history. https://www.blackrock.com/us/individual/insights/retirement/lifepath-target-date-fund-history
4. Source: Sway Research Report, 2025. Target Date Fund (TDF). No compensation was paid by or to the advisor, directly or indirectly in connection with obtaining or using the rating. AUM provided by flexPATH Strategies, LLC.
5. flexPATH Strategies as of 08/11/2025
6. Voya Investment Management is the 48th largest institutional manager (out of 411 firms surveyed), based on worldwide institutional assets under management, on Pensions & Investments' Top Managers list published June 2024. This ranking represents assets under management as of December 31, 2023. Participation in the P&I ranking is voluntary and open to firms that manage assets for U.S. institutional tax-exempt clients. Managers self-report their data via a survey. P&I sends the survey to previously identified managers and to any new managers asking to participate in the survey/ranking. No fee was paid for consideration.
7. Voya, A Balanced Approach to Target Date Design: https://individuals.voya.com/voya-target-date-funds