A method, article of manufacture, and computer program product are presented for generating a glide path for a target date fund comprising a growth asset and a reserve asset, where the glide path is a distribution of the growth and reserve assets over an interval. The method includes identifying an acceptable risk level for the target date fund determining, using the identified acceptable risk level, an inflection interval and calculating the percentages of the target date fund comprising the growth asset and the reserve asset at the inflection date. Finally, the method includes determining the glide path for the target date fund, where at the end of the interval the reserve asset comprises one hundred percent of the target date fund.