Why Target Date Funds Are Bad For Your Retirement
Not On Target Are Target Date Funds Ruining Retirement? From our YouTube Channel: While target date funds (TDFs) offer a set-it-and-forget-it strategy during the accumulation phase, they often fall short in retirement. Here’s why: 1. One-Size-Fits-All Allocation May Not Suit Your Needs TDFs follow a generic glide path, which may be too conservative or too aggressive for individual retirees. Doesn’t adjust for personal financial circumstances, such as pension income, liquidity needs, or…