While target date funds have been growing in popularity, questions abound regarding the variation in each provider's asset allocation methodology, what asset classes they include, and whether passive or active management is superior. One common element among most is that they are comprised of all proprietary funds. We have designed some custom target date funds using a 'best of breed' investment approach and tailoring the asset allocation decisions to the demographics of the particular employer. Attached is an article written by Lori Lucas that appeared in Workforce Management. I agree with her comments regarding 'best of breed' investments and alternative asset classes, but feel the right solution should be available to all plan sponsors, not just those in the jumbo marketplace.