Franklin LifeSmart 2020 Retirement Target Fund Class R6 is a target-date mutual fund designed for investors planning to retire around the year 2020. The primary function of this fund is to provide a diversified investment solution that automatically adjusts its asset allocation over time, shifting focus from growth-oriented investments to more conservative assets as the target retirement date approaches. This process is intended to help manage risk as investors near retirement. The fund holds a blend of asset classes, including a substantial allocation to fixed income securities and a meaningful portion in domestic and foreign equities. As of May 2025, its largest holdings include U.S. core bond funds, U.S. core equity funds, Treasury bonds, investment-grade corporate bonds, and select international equities. Notably, the equity allocation was gradually reduced in the years leading up to and after 2020, reflecting the fund’s goal of balancing capital appreciation with capital preservation as investors transition into retirement. Franklin LifeSmart 2020 Retirement Target Fund Class R6 plays a key role for individuals seeking a hands-off, professionally managed retirement investment that evolves to match their changing risk tolerance over time.
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