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'Safe' Target-Date Retirement Funds Have Hidden Risks

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You don't give up control

You can always switch to another investment, such as a target-date fund with a date that is earlier or later than the original date you chose..
IMO, many of the target-date funds are too conservative. Equities are a necessary component for those who are planning for a long retirement - in many cases, especially for those who are retiring in their 50s, they need to plan for 30 - 40 years in retirement.

aj485 of TX @ May 27, 2008 08:49:28 AM

You don't give up control

You can always switch to another investment, such as a target-date fund with a date that is earlier or later than the original date you chose..
IMO, many of the target-date funds are too conservative. Equities are a necessary component for those who are planning for a long retirement - in many cases, especially for those who are retiring in their 50s, they need to plan for 30 - 40 years in retirement.

aj485 of @ May 27, 2008 08:49:13 AM

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