DRIUX

About DRIUX

The Dimensional 2025 Target Date Retirement Income Fund Institutional Class is an open-end mutual fund tailored for individuals planning to retire near the year 2025. Its primary function is to provide a professionally managed, diversified investment solution that dynamically adjusts its asset allocation as the target retirement year approaches. The fund invests in a blend of underlying Dimensional mutual funds, gradually reducing its exposure to equities while increasing allocations to fixed income as retirement nears and during the withdrawal phase. This strategic shift aims to balance the need for income growth in the early years with greater income protection and capital preservation in later years, addressing risks like market volatility, inflation, and interest rate changes. At its final allocation, typically 15 years post-target date, the fund maintains a conservative stance with 15–25% in equities and 75–85% in fixed income. It is particularly notable for its low expense ratio and systematic approach, supporting retirement planning for investors seeking a single, managed solution in the years surrounding 2025.