LTMLX

About LTMLX

MFS Lifetime 2045 Fund is a target-date mutual fund designed to provide investors a diversified investment solution aligned with an anticipated retirement year around 2045. The fund’s primary purpose is to seek a high level of total return, balancing growth and income through strategic asset allocation that evolves as the target date approaches. Its structure leverages a mix of underlying MFS funds spanning equities, fixed income, and other asset classes, aiming to foster long-term growth in the early years and gradually reduce portfolio risk by increasing allocations to more conservative assets as the 2045 retirement date nears. This fund employs disciplined, active risk management and automatically rebalances its holdings to maintain its intended risk profile over time. It offers broad exposure to various sectors, including financials, information technology, industrials, health care, and consumer discretionary, reflecting its commitment to broad market participation and diversification. The MFS Lifetime 2045 Fund plays a significant role in retirement planning by offering a professionally managed, all-in-one investment vehicle that adjusts to the changing risk tolerance typically associated with aging investors, making it suitable as a core holding in long-term retirement portfolios.