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Target-Date Funds: Smart Strategy or Lazy Investing?
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, John tackles the pros, cons, and misconceptions surrounding target-date funds.
We'll break down how they work, why they're so popular, and what you don't know that could be costing you more than you think. We're talking hidden fees, misunderstood risk levels, and why this "set it and forget it" method might be fine at 25, but risky at…
The skinny
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