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Asset Allocation Strategies

You have certain long-term financial goals in mind and you also have a certain tolerance for risk when it comes to investing your money. Consider using the following investment strategies and products along with the guidance of your investment professional to help you find your balancing points.

  • Allocate your assets across the major asset classes – stocks, bonds, and cash – to help pursue the optimal returns for the risk level you're willing to undertake.
  • Diversify within each asset class to take advantage of different investment styles – such as growth and value stocks – and market sectors – such as both government and corporate bonds.
  • Rebalance regularly. Market activity can shift your portfolio allocations. Rebalancing helps you maintain your desired allocation.

Target Risk or Target Date - based on your financial goals, needs and risk tolerance

Target risk strategies
Consider MFS Asset Allocation Funds to target risk and maintain your asset allocation mix as selected by you and your investment professional according to your risk profile. These four built-in allocation strategies automatically allocate, diversify, and rebalance so you can follow a disciplined diversification investment approach.

Select a fund to view its profile, performance, price history, and management.

Target date strategies
Ten of the MFS Lifetime Funds have target maturity dates — 2055, 2050, 2045, 2040, 2035, 2030, 2025, 2020, 2015, and 2010 — allowing you to choose the time horizon that works best for your specific financial goals consistent with the approximate retirement year in the fund’s name. These funds automatically rebalance their holdings over time, shifting from more aggressive investments early to more conservative investments as the target date nears. The MFS Lifetime Retirement Income Fund is geared toward investors who have already reached their target dates. The principal value of the fund options are not guaranteed at any time; the funds' objectives and investment strategies change from one target date to another.

target date chart

Select a fund to view its profile, performance, price history, and management.

No investment strategy, including asset allocation, diversification or rebalancing, can guarantee a profit or protect against a loss.

Important risk considerations for MFS Conservative, Moderate, Growth, and Aggressive Growth Allocation Funds. The fund may not achieve its objective and/or you could lose money on your investment in the fund. Stock markets and investments in individual stocks are volatile and can decline significantly in response to issuer, market, economic, political, regulatory, geopolitical, and other conditions. 1Investments in debt instruments may decline in value as the result of declines in the credit quality of the issuer, borrower, counterparty, underlying collateral, or changes in economic, political, issuer-specific, or other conditions. Certain types of debt instruments can be more sensitive to these factors and therefore more volatile. In addition, debt instruments entail interest rate risk (as interest rates rise, prices usually fall), therefore the Fund's share price may decline during rising rate environments as the underlying debt instruments in the portfolio adjust to the rise in rates. Funds that consist of debt instruments with longer durations are generally more sensitive to a rise in interest rates than those with shorter durations. Investments in foreign markets can involve greater risk and volatility than U.S. investments because of adverse market, economic, political, regulatory, geopolitical, or other conditions. Investments in small-cap companies can be more volatile than investments in larger companies. MFS’ strategy of investing in underlying funds exposes the fund to the risks of the underlying funds. Please see the prospectus for further information on these and other risk considerations.

1 Debt risk does not apply to MFS Aggressive Growth Allocation Fund.

Important risk considerations for MFS Lifetime 20102, 2015, 2020, 2025, 2030, 2035, 2040, 2045, 2050, 2055, and Retirement Income Funds2The fund may not achieve its objective. You may experience losses near, at, or after the target date. There is no guarantee that the fund will provide adequate income at and through your retirement. Stock markets and investments in individual stocks are volatile and can decline significantly in response to issuer, market, economic, political, regulatory, geopolitical, and other conditions. Investments in debt instruments may decline in value as the result of declines in the credit quality of the issuer, borrower, counterparty, underlying collateral, or changes in economic, political, issuer-specific, or other conditions. Certain types of debt instruments can be more sensitive to these factors and therefore more volatile. In addition, debt instruments entail interest rate risk (as interest rates rise, prices usually fall), therefore the Fund's share price may decline during rising rate environments as the underlying debt instruments in the portfolio adjust to the rise in rates. Funds that consist of debt instruments with longer durations are generally more sensitive to a rise in interest rates than those with shorter durations. Investments in foreign markets can involve greater risk and volatility than U.S. investments because of adverse market, economic, political, regulatory, geopolitical, or other conditions. Investments in small-cap companies can be more volatile than investments in larger companies. MFS' strategy of investing in underlying funds exposes the fund to the risks of the underlying funds. Please see the prospectus for further information on these and other risk considerations

2  Only applies to MFS Lifetime 2010 Fund and MFS Lifetime Retirement Income Fund: Investments in derivatives can be used to take both long and short positions, be highly volatile, result in leverage (which can magnify losses), and involve risks in addition to the risks of the underlying indicator(s) on which the derivative is based, such as counterparty and liquidity risk.

This publication is authorized for distribution only when preceded or accompanied by a prospectus, or summary prospectus, for the portfolio being offered. Consider the fund's investment objectives, risks, charges and expenses. Contact MFS or view online. Read it carefully. 

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