Target-Date Funds

The Trouble With Target-Date Funds

With almost half of retirement savers having their entire account invested in a single target-date fund last year, the author of today’s article acknowledges that “Target-date funds are taking over retirement accounts” – and this may not be a good thing. He proceeds to explain how a combination of issues with target-date funds “could easily add up to 1 percent… 

Navigating The Challenges Of “The Evolving Retirement Planning Landscape”

Whether one is in the pre-retirement accumulation stage or the retirement decumulation stage, retirement planning seems to be getting increasingly complicated. At a recent investment conference, research and innovations related to the challenges posed by the evolving retirement planning landscape were discussed. For some key takeaways from this discussion – pertaining to target-date funds, Social Security, safe withdrawal rates, annuities… 

“More Interesting And Less Expensive”: How Target-Date Funds Are Getting Makeovers

When it comes to target-date funds, today’s article states that the popular retirement investment vehicles may become more interesting and less expensive this year. Specifically, the article examines how some fund sponsors are going about trying to reduce volatility, boost returns, lower fees, and even select more socially conscious investments, all in an effort to attract more investors. To read… 

Target-Date Funds: Are You Among The Half Doing It Wrong?

Based on the findings of a recent analysis conducted by human resources consultancy firm Aon Hewitt, half of 401(k) investors using target-date funds may be using them wrong. What exactly are people getting wrong when it comes to target-date funds? They “spread their dollars across other investments available to them in their plans” rather than using the target-date fund –… 

“It’s Not Going Well”: A Critique Of America’s Do-It-Yourself Retirement System

“Even if you were an incredibly well-informed investor and paid a great deal of attention, it’s very hard to succeed in this system.” This is the assessment of law professor William A. Birdthistle, who has penned a new book on the perceived failures of the United States’ do-it-yourself retirement system, specifically mutual funds and 401(k)s. To read what Birdthistle sees…