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, Dennis breaks down the good, the bad, and the misunderstood aspects of target-date funds.

Here’s some of what we discuss in this episode:

🛠️ How target-date funds work and why they’ve become the popular default

🎯 What the rise of target-date funds reveals about investor behavior

📉 The problem with one-size-fits-all investing

📊 The benefits of building a personalized investment strategy

💸 Why owning multiple target-date funds may backfire

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