Anne Lester and team: JPMorgan SmartRetirement Target-Date Series (JSIIX), (JSFIX), (JTTIX), (JNSIX), (JSMIX), (SRJIX), (SMTIX), (JSAIX), (JTSIX) and (JFFIX)
"The series tends to be more diversified than a lot of its peers," Morningstar analyst Leo Acheson said. "It's an all-weather type of series. It's not really just relying on one specific market environment that it will do well in."
It is all about getting the mix of assets right, how to select underlying active managers and how to make tactical shifts out of different asset classes, JPMorgan's Ann Lester said.
All of the funds have outperformed their peer groups over the last five years, and are comprised of other funds within the JPMorgan asset management group.
First and foremost, the team thinks about whom the person is they are managing money for, she said.
"It starts with understanding how do we help them to get to a place where they can retire safely when they want to at 65."
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Lester also admitted there is a risk with investing for 401(k) plans because investors have an implicit assumption that the plans will be able to generate returns. In fact, the money they put in is as important, or more important, than what JPMorgan will be able to do to generate those returns, she stressed.
"If somebody is putting away at least 10 percent of their salary and their company is hopefully matching some of that so that their overall savings rate is between 10 and 15 percent of their gross paycheck, they're going to be fine, and what we do for them will absolutely get them there safely," she said.