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Guide to the Military’s BLended Retirement System

Created in collaboration with DCUC (the Defense Credit Union Council), this clear, accessible guide outlines the benefits of the military’s new retirement plan, the Blended Retirement System, or BRS.  While all service members who joined the military on or after January 1, 2018 were automatically enrolled in the new plan, those who were part of the previous retirement system have until December 31, 2018 to opt in to the BRS.

This guide offers a detailed, easy-to-understand explanation of how the system works and how participating service members can use the system to help invest for retirement. A helpful overview of the basics of investing is also included.

 An educational presentation on the BRS is also available, as is a mobile-friendly version of the guide.

The guide and presentation are available for purchase, digital licensing, and customization. Contact us to learn more at 212-485-8822 or email us at info@lightbulbpress.com.

Featured Financial Term


A target date fund is a fund of funds that allows you to invest in a portfolio with a particular time horizon, typically your expected retirement date. Each target date fund characteristically has a date in its name, such as Fund 2020, Fund 2030, Fund 2040, or Fund 2050, and so on. You choose one whose date is closest to the date you plan to retire.

A target date fund aiming at a date in the somewhat distant future tends to have a fairly aggressive asset allocation, with a focus on equity funds. As the target date approaches, the fund is reallocated to become more conservative to preserve the assets that have accumulated and provide income. The pace of that reallocation is known as the fund's glide path.

Each fund company's glide path, which is based in part on its approach to risk, differs somewhat from the glide paths of similar funds, so that the allocation of one Fund 2025 may be noticeably different from the allocation of a Fund 2025 from a different company. For example, some funds remain more heavily invested in equities at maturity than others.