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, John tackles the pros, cons, and misconceptions surrounding target-date funds.

We’ll break down how they work, why they’re so popular, and what you don’t know that could be costing you more than you think. We’re talking hidden fees, misunderstood risk levels, and why this “set it and forget it” method might be fine at 25, but risky at 50. You’ll also learn the real meaning of “glide path,” and how it may seriously impact your long-term results.

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

📈 Pros and cons of target-date funds

🤖 The appeal of set-it-and-forget-it investing

📊 Overlap risk: owning the same thing in multiple funds

🎯 Are target-date funds managed?

🧩 Why a one-size-fits-all fund might not fit you at all

Get in touch:

Phone: 661-775-3704

Book an appointment with us: http://bookachatwithjohn.net  

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Watch the Podcast on YouTube: https://bit.ly/3PmcOPM

Check out John’s FREE Books: https://je9gekmc.pages.infusionsoft.net/