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Morningstar® Retirement Manager
User-friendly advice and managed account services for plan participants.
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Investment Methodology
The Morningstar® Retirement Manager investment methodology draws from our core capabilities in asset allocation, manager research, and portfolio construction, plus a foundation of proprietary and award-winning research. Our investment process incorporates a patented lifetime asset allocation methodology, which addresses the relationship between human capital and financial capital, to determine an individual’s risk level and appropriate asset allocation. We also incorporate returns- and holdings-based analysis of the hundreds of thousands of investments in Morningstar, Inc.’s database to select funds, as well as liability-driven investing to personalize participant portfolios and address inflation risk.

Read about how our asset allocation methodology considers human capital 
Our Five-Step Portfolio Construction Process
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