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Target Date Funds: Set It and Forget It? | Durham News
Target date funds may seem like the perfect retirement solution—automatic, hands-off, and designed to grow your money until you retire. But experts are sounding the alarm: this one-size-fits-all approach ignores your unique risk tolerance, Social Security timing, or pension status. While the classic 60/40 stock-bond split still gets tossed around, some advisors argue that with longer lifespans and inflation, a bolder 90/10 allocation might be smarter for lasting returns. The real issue? Relying on “set it and forget it” can blind you to critical adjustments. These funds aren’t bad—they’re…
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