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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, Steve unpacks the pros, cons, and misunderstood mechanics of target-date funds.

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

📈 What target-date funds actually do behind the scenes

💼 Why target-date funds are often the default and what that means

🧮 The big gap between “easy” and “optimized”

💡 A real example of lost growth due to early bond shifts

📊 Why planning matters more than a picked retirement year

Morning Star article Target-Date Funds Have Delivered:

https://www.morningstar.com/funds/target-date-funds-have-delivered-investors

Get your copy of Power Up Your 401K in our toolkit: https://keap.page/ngt919/toolkit.html

Follow along on YouTube: https://www.youtube.com/channel/UCEE5ZkDedYTsKzkh2UxQ9Sg

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