Investor needs are changing. The baby boomers are firmly into their retirement and Generation X is getting closer to it. Increasingly, there's a feeling that they're just not fully prepared. Volatile markets add to concerns over collective and individual financial security given the sensitivity of defined contribution and IRA investments to value fluctuations near retirement. The result is that investors are looking to access better engineered, innovative products and options to deliver solid returns and protect their investments. With the demise of DB in favour of DC plans, there has been a marked shift to outcome-oriented investing. This is often achieved through the blending of existing underlying building blocks of funds and portfolios to create multi-asset funds.