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Target-Date Funds: Pros, Cons & What You Need To Know!
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Target-date funds just passed $4 trillion in assets. They’re now the default investment in many 401(k)s, and millions of Americans are using them without really understanding how they work. So, are they a smart choice or just the easiest one? In this episode, Steve unpacks the pros, cons, and misunderstood mechanics of target-date funds.
Here’s some of what we discuss in this episode:
📈 What target-date funds actually do behind the scenes
💼 Why target-date funds are often the default and what that means
🧮 The big gap between “easy” and “optimized”
💡 A real example of lost…
The skinny
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