Putnam Sustainable Retirement 2025 Fund Class R5 is a target-date mutual fund designed to address the evolving needs of investors approaching retirement around the year 2025. Its primary function is to provide a diversified investment solution that gradually shifts its asset allocation over time, reducing exposure to equities and increasing investments in fixed income and capital preservation assets as the target retirement date approaches. Notably, the fund emphasizes sustainable investing by selecting underlying investments that demonstrate positive sustainability characteristics. This fund's portfolio is constructed by investing primarily in other Putnam-managed mutual funds and exchange-traded funds (ETFs) with a sustainability focus. The underlying holdings span multiple asset classes, which allows for broad diversification and risk management as market conditions change and retirement nears. Over time, the fund’s allocation transitions along a predetermined glide path to prioritize income and capital preservation, reflecting the conservative risk profile suited to investors nearing or entering retirement. The fund plays a significant role in the retirement market by offering a managed, sustainability-oriented solution tailored to individuals seeking to align their investments with environmental, social, and governance (ESG) considerations without sacrificing the traditional objectives of capital preservation and retirement readiness.
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