'Safe' Target-Date Retirement Funds Have Hidden Risks

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The test was repeated on three different occasions with an interval of about a week between each, allowing a practice and three subsequent attempts as before. The test was enjoyed by the children, who seldom failed to remember their previous record.

David of MO @ Sep 18, 2008 09:43:42 AM

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The test was repeated on three different occasions with an interval of about a week between each, allowing a practice and three subsequent attempts as before. The test was enjoyed by the children, who seldom failed to remember their previous record.

David of IA @ Sep 18, 2008 08:38:46 AM

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Take any one you please, select that one which leads us most strongly to imagine a true activity ; analyze it well, and you will find our intuition limited to relations of extension in space and in time. That all bodies are heavy is a fact of experience ; do we know intuitively the principle from which the phenomena of weight proceed ?

Mary of IL @ Sep 17, 2008 14:27:36 PM

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Take any one you please, select that one which leads us most strongly to imagine a true activity ; analyze it well, and you will find our intuition limited to relations of extension in space and in time. That all bodies are heavy is a fact of experience ; do we know intuitively the principle from which the phenomena of weight proceed ?

Mary of NY @ Sep 17, 2008 13:13:10 PM

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Nickols of HI @ Sep 16, 2008 08:55:32 AM

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Nellie Snively of NJ @ Sep 12, 2008 17:41:49 PM

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Nickols of KY @ Sep 11, 2008 16:07:47 PM

Target Date

The target date funds are great for specifiic people. I run into employees all the time that do not know much about investing and don't even know where to begin when it comes to allocating their company retirement plan assets. Rather than choosing some arbitrary allocation (or defaulting to stable value or equivalent), these people have the option to put their money into a fund that will become more conservative as retirement approaches.

I still recommend that these funds are watched over time and changed to another target date fund if the previous fund was too conservative or aggressive. An important thing to remember is a huge chunk of qualified retirement assets out there will not change or be rebalanced until distribution. That being said, those particular investors are usually much better off in a target date fund (even if the proper stock/bond allocation is off by 5-15%) than they are in the stable value for 30 years or a 100% equity portfolio through retirement.

If you are an experienced and somewhat active investor, I believe you will always be able to more closely match your personal risk tolerance to your investments if you choose the funds yourself.

of VA @ Jun 09, 2008 11:18:20 AM