Podcasts about target date funds

Target Date Funds look to rebalance overtime without interaction. This offers an almost autopilot experience to the investor. While this may be viewed as a conversative option, there still are advantages and disadvantages to utilizing them in your financial strategies. Robert Crothers, Managing Director, Head of US Retirement for BlackRock joins Cassidy Clement to discuss.

Think having target date funds is a good idea? Think again. In this episode of the Savvy Investor, Ryan Herbert and Lawrence Kiely break down the hidden risks and misconceptions behind target date funds in your 401(k). From market downturns to fee traps, they reveal why these “set-it-and-forget-it” investments may not be the safe bet you think they are. Learn how to take control of your retirement strategy, explore smarter diversification options, and understand the real cost of convenience. Want to begin building your retirement and tax plan? Schedule a call with us here:

Why Your 401K Target Date Fund Could Be Sabotaging Your Retirement: A Financial Advisor's Guide to Better Planning Are you one of the millions of Americans unknowingly putting your retirement […] The post Why Your 401K Target Date Fund Could Be Sabotaging Your Retirement appeared first on Dupree Financial.

On this episode: Don’t be Bad Santa when sending money and assets to your children. The upside and downside of living into your 90s. A down stock market isn’t your only enemy in retirement. 4 trillion dollars are in these funds in 401(k)s and maybe they shouldn’t be. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

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? These funds promise convenience and automatic adjustments, but with so much riding on a one-size-fits-all solution, it's worth asking—are they really helping you, or just keeping you on autopilot? In this episode, Ryan explains how target-date funds work, why they've become so popular, and the hidden pitfalls that many investors miss. Here's what we discuss in this episode:

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?   Important Links: Website: http://www.yourplanningpros.com Call: 844-707-7381   ----more---- Transcript:    Marc: Target-date funds just passed $4 trillion in assets. They're now the default investment in many 401Ks for millions of Americans, who are using them without really understanding how they work. So this week on Plan With The Tax Man, let's talk target-date funds.   Hey, everybody. Welcome to the podcast with Tony Mauro and myself as we talk investing, finance and retirement. Of course, Tony is the Tax Man, and if you've got questions or concerns or need some help when it comes to today's topic, or any other, make sure you're talking with a qualified professional like Tony and his team at Tax Doctor Inc. You can find them online at yourplanningpros.com. That's yourplanningpros.com. Tony's got 30 plus years of experience as a CPA, CFP, and an EA, so a great resource for you to tap into.   Tony, my friend. What's going on buddy? How are you?   Tony Mauro: I'm well. Enjoying the summer so far, and as we're recording, that's getting closer to the July 4th holiday, so things are good.   Marc: That's true.We'll drop this one this week about two weeks early, and then we'll drop another one, probably right around there.   So what do you think about that? 4 trillion bucks, man, in target-date funds? That's a lot of dough.   Tony Mauro: That's a lot of money. It seems that clients are starting to ask about them more. Basically, what is it? Do you think it's a good idea?   Which is why I wanted to talk about it a little bit just to shed some light on all this.   Marc: Because the question is, Tony, is it the smart choice or is it the easy choice?   So they were created for that purpose, to be easy, I think. I think that's part of it because... Well, we give some back history here, just a little teeny bit. Again, according to Morningstar, hit $4 trillion in assets. In fact, it says eight out of every 10 Vanguard 401k investors hold one today. So start at the beginning a little bit. What exactly is a target-date fund? Give us just a quick breakdown.   Tony Mauro: It's as the name implies, is basically they set a date, and they have all these different funds. So for example, if you're 50 years old, and they have a fund that they put a date on it, so 15 years from now they'll call it the 2040 fund, and then the '45 and on and on and on.   Marc: Which we're used to seeing, right?   Tony Mauro: That's what you see. And really what they're designed to do, is based on your age, they basically take a portfolio growth-oriented as you're younger, if you've got a lot of time left, and then as you age, it becomes more and more conservative, and shifts on its own to more and more conservative funds. With the theory that is that as you get closer to retirement, you want to take less risk, and you want to make sure that a down little blip in the market two to five years is not going to kill you as far as that goes.   So, it makes it really appealing to a lot of investors with this whole thing. Talk about set it and forget it. This fund is that exactly.   Marc: It's definitely that. So they call it the glide path, so it's designed. But I think there's some misnomers in there. So part of that, but based on what you were just saying, sometimes people say... Okay, well let's just go with an easy number here, Tony. We'll just say the 2050 fund. So it's 25 years from now, so I've got 25 years before I'm going to retire. I'm set to retire in 2050. So that'll work great, I'll just do that. Again, if you're doing nothing, I think these target-date funds can be cool, but some of the downside is that risk tolerance you were just talking about.   First of all, they don't go all the way down to zero. So I think some people feel like there's this, "Oh, well, if they're reducing my risk as I get closer to my target-date, I'll be really, really no risk by the time I get there."   And that's not usually the case. Usually, what? It's about 50/50 I think is about where they stop at.   Tony Mauro: That's usually what it is, what I see, even in the most conservative, say the last two to five years. And I do think people, because they're marketed as the set it and forget it, they don't really look at some of that stuff.   So, while they offer the simplicity and the chance to rebalance, I don't think they're all the same. And I think this is where, rather than... It's better than doing absolutely nothing. Let's get that on the table. But if you're going to use one of those, as many people do, I think you should work with your advisor to make sure that this is something you really want. You need to look at the fee structure you need to look at...   Marc: That's another great point.   Tony Mauro: ... The asset mix as you get a little closer to retirement, is that maybe it's too conservative? Maybe it's too aggressive.   To me, with our clients, I like to have a little bit more, I don't want to say control, but yet...   Marc: Well, that's what it is though, right? Well, so all right, so you're thinking about... You just mentioned...   Okay, a couple of positives, let's do that. So it's very easy if finance isn't your thing, you just want to pick something, and so you can roll, and that way you're putting in your 401k at work, and you're getting the match, and blah, blah, blah, and you're earning something for retirement, great. Okay, very easy. Good to do.   The auto rebalancing, again, another benefit. So that makes it easy. You don't have to worry about that too much, because they auto due, but you just mentioned the fees. These are managed and so they come with fees, correct? Higher fees, sometimes.   Tony Mauro: Sometimes they come with higher fees, because based on how the fund is structured, and what their fund is supposed to do, they may be moving in and out of securities more often than not.   And I think the other thing, too, is a lot of people don't really look at how long the fund's been around some of the maybe longer-term performance. Just even as the managers, because you certainly don't want to buy a real laggard=type of target-date fund if they don't have a good record as managers. But most of them are going to be okay to a little above average.   But the point is to take a look and delve into some of this stuff, because it's something you got to watch out for.   Marc: Definitely.So you've got the fee structures conversation, does it actually fit your needs? So I think that's part of it.   So let me rephrase it this way, Tony, you've been doing this for 30 plus years as I mentioned earlier, I think if you're a younger person, if you're in your twenties, thirties, maybe even your forties, and you've taken a new role, new gig someplace, and you're setting up the account, and as I mentioned, more and more companies now are automatically... You have to check to opt out of a target-date fund. So check that whenever you're setting up with HR and all that stuff.   I think they can be useful. You're getting it going. You're busy, you've picked the target-date fund for the year that you're going to turn 65, but I think as you get closer, and you mentioned this a minute ago about your clients, I think once we get to 50 plus, maybe there's better options out there for us to be looking at doing it. Is that fair?   Tony Mauro: I think that's fair. And I think it's especially prevalent, and we have cases like this all the time. If a person is maybe behind, in other words, we do a plan, and we figure out where they want to be and figure out that they don't have enough to get to that goal, we may need to change up some things, assuming the risk tolerance and everything else aligns with that. And the target-date fund wouldn't be a fit for that at all. We wouldn't be able to get to where we're going.   But in all of our meetings, as we're setting up the investments part, we do talk about target funds. And I don't mind using them for a small portion of the portfolio to start, just as a little bit of a buffer as the set it and forget it part. So there is a fit. So I'm not come off totally against them,   But I think in most cases, especially above 50, especially when you get to the distribution stage, we certainly don't want to leave our money in the target-date funds, because most of the time you're looking for as much yield as you can get for that income distribution. So I think they have their fit.   I think too many people are just like you say, just saying, "You know what? I don't know anything about any of this. I'm just going to throw my money in that."   That's not a bad option. I think the better option is to talk to somebody and to work with your advisor to see if that is the best fit for you and diversify even more.   Marc: And I had just seen not long ago, and I was trying to find it so that I could cite the place that it came from, but it said over the last five years that more and more target-date funds are automatically shifting to a higher aggressive stance to begin with. Probably because the market had been doing well, plus with the bond trouble that bonds had been experiencing for a couple of years.   So again, to your point about allocation, and about risk tolerance, and all that stuff, that's where some of the misnomer comes in. People feel like, okay, this is going to be probably a fairly safe bet. It's going to be a 60/40, it's going to stay that way, 60/40 split's going to stay that way. And then as I get closer to retirement, it's going to drop down to 70/30, 70 being safer. And that's just not always the case.   So you really want to talk with an advisor and dig into it. So do you guys, when you're working with people that come in for the first time, and you're going through their list of assets, do you look into those and see what's going on there?   Tony Mauro: We do if they have those in their 401k. And then we'll usually pull a report just to let them know what that fund is about and what its makeup is, what its asset allocation is, and based on everything else that we'll do in our planning software, is that the right fit for them in the portfolio? A lot of times it is. But if that's their only one, generally we'll suggest some other things, at least for the future.   Marc: What typically is in some of these bigger ones, typically it's going to be a lot of large cap and stuff, isn't it, Tony?   And so I was thinking about this the other day. So if you're picking a 2040, 2050 fund, but then you're also going and getting some investments on the side. Let's say you want to do some extra stuff and you're like, "oh, I'm going to go get a mutual fund through Schwab" or whomever.   A lot of times you wind up buying the same stuff, because you're probably picking a mutual fund that you're looking at to see, hey, it's doing fairly decent and it's probably all around, well, lately, tech, and these large-cap companies, the S&P, and whatnot.   Tony Mauro: It is. And I think so many people don't look at that. They think they've got a ton of diversification in their mutual funds, [inaudible 00:10:08]   Marc: "I got that from Schwab, myself, and my target-date funds through Fidelity." I'm just making stuff up. But then they think, "Okay, two different companies, two different mutual funds, two different sets of stuff. Cool. I'm more diversified."   But often it's not.   Tony Mauro: It's really not. And when you delve into it a little bit, you can point some of that stuff out, and it's a little aha moment for them just to basically say, "Look, if there's nothing wrong with this, but you really don't have as much diversification as you think, and based on how we want the plan to go, we might just to make some tweaks."   Marc: Gotcha. Okay. All right. Any final thoughts? I don't want to belabor the point too much.   I like this thought that I have to wrap this up, Tony, and then I'll let you tell me what you think. Look, they're easy as we said, but sometimes that's the problem. And with so much money riding in a one-size-fits-all strategy, I think it's worth asking the question, are you planning for retirement or are you coasting towards it? What do you think?   Tony Mauro: I would say that's definitely true. I would say from a planner standpoint is we try to get a little more intentional with it, and we don't really want to... Not that the default is a bad thing, but we want to make sure it's the right fit for you. So I definitely think there should be at least a little dissecting before you just coast rather than plan.   Marc: And I think definitely age has something to do with it. So like a lot of things in finance, what you're doing in your twenties, and thirties, and forties may be fine if you're going with the one size fits all easy, low-hanging fruit. But as we get to 50, we start thinking about things a little bit differently and maybe it's a little worthwhile to start really getting somebody to look under the hood, so to speak, and really dissect that a little further.   So, you got some questions with that stuff, need some help, reach out to Tony and his team at Tax Doctor Inc. Get yourself onto the calendar by simply going to their website, yourplanningpros.com. Or you can call them at 844-707-7381. 844-707-7381.   And don't forget to subscribe to the podcast on Apple, or Spotify, or whatever podcasting platform app you enjoy using. Just type in "Plan With The Tax Man" in the search box, or just simply go to the website, yourplanningpros.com.   Tony, my friend, thanks for breaking it down. As always, I appreciate you.   Tony Mauro: Okay, we'll see you next time.   Marc: We'll see you next time right here on Plan With The Tax Man with Tony Mauro.   Securities offered through Avantax Investment Services SM, member FINRA, SIPC. Investment advisory services offered through Avantax Advisory Services. Insurance services offered through an Avantax affiliated insurance agency. Investment strategies discussed in this episode may not be suitable for all investors. Please consult with a financial professional.

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?   Contact: Great Lakes Retirement Website: http://www.greatlakesretirementsolutions.com/ Call: 989-401-2949

Target-date funds seem like the ultimate “set it and forget it” retirement strategy, but are they really as simple and safe as advertised? In today's episode, Phil unpacks these popular, automatic investment options that now hold over $4 trillion in assets. If you're like many people, your 401k automatically funnels your money into these funds based on your retirement date. Convenient? Definitely. Optimal? Maybe not.   Here's some of what we discuss in this episode:

David McKnight looks at Target Date Funds (TDFs) and why their set-it-and-forget-it approach to investing is NOT something you should rely on. David kicks things off by explaining how TDFs work, including why they tend to be a popular option for novice investors. While it sounds like an excellent approach, David points out two major flaws. “A lot of the problems with TDFs come down to sustainable withdrawal rates in retirement,” says David. The 4% Rule consists of you being able to withdraw 4% of your day one balance in retirement, adjusted every year thereafter for inflation. Unfortunately, a TDF is fundamentally incompatible with the 4% Rule. Since the 4% Rule is the most expensive way to ensure that you don't run out of money in retirement, David suggests doing something else.  He recommends figuring out what your retirement shortfall is and then buying a Guaranteed Lifetime Income Annuity to help bridge your income gap.  While being on a glide path or relying on a set-it-and-forget-it approach may sound like a good idea, it actually isn't conducive to evaluating the strategies that will help you reap the most efficiency from your retirement savings.     Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com

Nearly 1/3 of 401(K) assets are held in target date funds, and with recent statistics showing the composition of these funds becoming riskier, some are questioning how this might impact investors in the long term. Donna and Nathan discuss why target date funds are becoming more aggressive, and how to use them appropriately in your portfolio. Also on MoneyTalk, when DIY investors should consider professional advice, and Stock Trivia: Battle of the Sowas. Investments in target-date funds are subject to the risks of their underlying holdings. The year in the fund name refers to the approximate year (the target date) when an investor in the fund would retire and leave the workforce. The fund will gradually shift its emphasis from more aggressive investments to more conservative investments based on its respective target date. The performance of an investment in a target-date fund is not guaranteed at any time, including on or after the target date Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 5/1/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Philip Chao, a leading voice in the 401(k) space shares his sharp focus on creating guaranteed retirement income. The conversation explores Philip's background, his companies, and the evolving landscape of annuities within retirement plans. Key themes include the role of fiduciaries, the integration of annuities into target date funds, and the future of guaranteed income products in the retirement market. In this conversation, Philip Chao discusses the evolution and importance of Target Date Funds and Qualified Default Investment Alternatives (QDIAs) in retirement planning. He emphasizes the need for personalized solutions that consider individual data rather than relying solely on averages.  The discussion also highlights the significance of engagement in retirement planning, the challenges of behavioral finance, and how guaranteed income can help ensure financial security in retirement. Chao advocates for transparency and education in financial services to empower individuals in their retirement decisions. Learn more at thatannuityshow.com 

In this episode, I break down a few of the essentials to becoming a better investor. If you've ever felt overwhelmed by the market or unsure about your investment strategy, this episode is for you. We discuss:The importance of behavior management and how your mindset can significantly impact your investment successSystematic approaches to investing and why having a structured investment strategy is crucial. I break down the importance of asset allocation and how to control what you can control.Understanding asset allocation, including the different types of asset classes and how to balance your portfolio based on your risk tolerance and investment goals.Find out why maintaining your desired asset allocation is essential for long-term success and how to effectively rebalance your portfolio---------✅ Financial planning for 30-50 year old entrepreneurs: ⁠https://www.allstreetwealth.com⁠✅ My personal blog & newsletter: ⁠https://www.thomaskopelman.com⁠Disclaimer: None of this should be seen as financial advice. It is just for informational purposes.

Send us a textTarget Date Funds vs. Custom Investment Allocation: A Deep DiveIn this episode of The Retire Early Retire Now podcast, hosted by Hunter Kelly, a certified financial planner and owner of Palm Valley Wealth Management, listeners are given an in-depth comparison between target date funds and custom investment allocations. After a two-week hiatus due to a busy review season, Kelly discusses the convenience and benefits of target date funds, such as ease of use, automatic rebalancing, and broad diversification. However, he also highlights the limitations for high-income earners, including lack of personalization and tax inefficiency. The episode then explores the advantages of a custom allocation, focusing on personalized asset mixes, cost and tax efficiency, and a deeper understanding of one's financial portfolio. Kelly provides practical advice based on the listener's stage in their investing career and emphasizes the importance of a holistic view of all investment accounts. The episode wraps up with tips for those considering professional financial advice and a call to action to engage with the podcast for further insights.00:00 Introduction and Welcome00:43 Topic Overview: Target Date Funds vs. Custom Investment Allocation02:34 Understanding Target Date Funds06:48 Pros of Target Date Funds12:52 Cons of Target Date Funds18:33 Exploring Custom Investment Allocation21:57 Pros and Cons of Custom Allocation28:45 Recap and Final Thoughts33:15 Conclusion and Call to ActionCheck out the Palm Valley Wealth Management WebsitePalmValleywm.comCheck us out on InstagramLinkedIn FacebookListen to the Podcast Here! AppleSpotify

Risparmia sull'assicurazione auto con Facile.it (#adv). Amundi ha lanciato i primi ETF lifecycle in Europa, sul modello dei Target Date Fund americani. Valutiamo pregi e difetti di questa tipologia di strumento e i principi generali di asset allocation e retirement planning. =============================================== Investi con Fineco, 60 trade gratis nei primi tre mesi con il codice TRD060-TB Investi con Scalable in azioni e ETF a prezzi imbattibili. Naviga in totale sicurezza con NordVPN. Turtleneck: l'Assicurazione sulla Vita semplice e conveniente Migliaia di audiolibri riassunti in 15 minuti con 4Books. I link sono sponsorizzati e l'Autore potrebbe percepire una commissione. =============================================== ATTENZIONE: I contenuti di questo canale hanno esclusivamente finalità di informare e intrattenere. Le informazioni fornite sul canale hanno valore indicativo e non sono complete circa le caratteristiche dei prodotti menzionati. Chiunque ne faccia uso per fini diversi da quelli puramente informativi cui sono destinati, se ne assume la piena responsabilità. Tutti i riferimenti a singoli strumenti finanziari non devono essere intesi come attività di consulenza in materia di investimenti, né come invito all'acquisto dei prodotti o servizi menzionati. Investire comporta il rischio di perdere il proprio capitale. Investi solo se sei consapevole dei rischi che stai correndo. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Friday Fiduciary Five, Eric Dyson talks about the importance of investment policy statements (IPS) for target date funds (TDFs). He emphasizes the need for well-crafted IPS sections specifically for TDFs, cautioning against over-reliance on custom benchmarks that often fail to provide meaningful comparisons. Eric likens TDF evaluation to a fruit salad, underscoring the complexity of assessing multiple funds with varying glide paths and strategies. He advocates for conducting a glide path determination to align the TDF's risk level with plan demographics and participant needs, whether conservative or aggressive.Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information contained herein is general in nature and is provided solely for educational and informational purposes.It is not intended to provide a specific recommendation of any type of product or service discussed in this presentation or to provide any warranties, financial advice or legal advice.The specific facts and circumstance of all qualified plans can vary and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan specific circumstances.

In this episode, Vincent Deluard joins the show to discuss his on-the-money inflation calls and future outlook, the consequences of Trump's tariff flip-flopping, and the buyers of US duration. We also delve into the impact of DOGE, the Trump Admin's Treasury market goals, the surge in foreign yields, and more. Enjoy! __ Follow Vincent Deluard: https://x.com/VincentDeluard Follow Felix: https://x.com/fejau_inc Follow Forward Guidance: https://twitter.com/ForwardGuidance Follow Blockworks: https://twitter.com/Blockworks_ Forward Guidance Newsletter: https://blockworks.co/newsletter/forwardguidance Forward Guidance Telegram: https://t.me/+nSVVTQITWSdiYTIx — Forward Guidance Audience Survey: https://forward-guidance.beehiiv.com/forms/109bcbf7-0948-43b8-be8d-5390a5198125 — Join us at Digital Asset Summit 2025 March 18th - 20th. USE CODE FG10 FOR 10% OFF general admission! https://blockworks.co/event/digital-asset-summit-2025-new-york — Timestamps: (00:00) Introduction (00:40) Inflation Predictions and Seasonal Adjustments (05:50) Stagflation Concerns and Economic Slowdown (07:33) State-Level Spending and Fiscal Policy (17:42) Tariffs & the Art of the Deal (19:25) Economic Noise vs Signal (23:36) Federal Reserve and Monetary Policy (25:36) DAS Promo (26:13) Bond Market and Liquidity (33:23) Target Date Funds (36:17) Trump Administration Goals (51:06) Surge in Foreign Yields (59:22) Market Predictions (01:03:36) Learn More About Vincent __ Disclaimer: Nothing discussed on Forward Guidance should be considered as investment advice. Please always do your own research & speak to a financial advisor before thinking about, thinking about putting your money into these crazy markets.

On this episode: Pros and cons of target date funds. The implications of inheriting IRAs. The importance of being prepared for market volatility. Overcoming hesitations about retirement spending. Like this episode? Hit that Follow button and never miss an episode!

Ever wondered if you're better off building your own target date fund instead of relying on a one-size-fits-all option? We're diving into whether crafting your own investment mix is worth the effort, potentially saving you fees and giving you more control over your portfolio. But even the pros get it wrong sometimes—just ask Vanguard. We're covering the major settlement they're facing over misleading statements about taxes and target date funds, proving that even the big guys make costly mistakes. Meanwhile, a listener asks a great question about balancing tax optimization with financial flexibility—because what good is a perfectly tax-efficient plan if it ties your hands when you need cash? Plus, Doug takes us back to the origins of the gasoline-driven automobile, and there's even an unexpected run-in with a Supreme Court justice (because why not?). And of course, we've got a TikTok moment that'll have you questioning life choices and a few financial misconceptions that might just make you rethink your approach to money. What's Inside Today's Episode: Vanguard's Costly Mistake: The settlement every investor should know about. Understanding Mutual Fund Taxes: How taxes sneak up on your investments. DIY Target Date Funds: Pros, cons, and when to consider building your own. Trivia Time with Doug: The surprising story behind the gasoline-driven car. The TikTok Minute: Financial advice that may (or may not) be worth your time. Financial Flexibility vs. Tax Optimization: Finding the balance in your strategy. Community Announcements & Meetups: Where to find us next. Episode Highlights: Vanguard's Legal Trouble: What happened, and what it means for investors. Mutual Fund Taxation: Avoiding unexpected tax bills. Should You Build Your Own Target Date Fund? We break down the numbers. Listener Q&A: How to stay tax-efficient while keeping access to your cash. Doug's Trivia: Who REALLY built the first gasoline-powered car? An Unexpected Supreme Court Encounter: Because that's just how things go around here. Resources Mentioned in This Episode: Learn more about Vanguard's target date fund settlement in our show notes: https://www.stackingbenjamins.com/vanguard-target-retirement-trouble-1637 Read up on mutual fund tax strategies and more by signing up for our 201 newsletter! https://stackingbenjamins.com/201 Tune in now and get the insights you need to build a smarter investment strategy—without falling into costly traps. Learn more about your ad choices. Visit podcastchoices.com/adchoices

On this week's episode, Kristen, Dame, and Pete debate the utility of target date funds. Disagreement abounds.

Today, the SEC announced a $106.41 million settlement with Vanguard following moves Vanguard made in 2020 that resulted in excessive capital gains distributions to retail investors. In this video, I'll walk through the settlement order and what it means to investors.Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

In this episode, financial advisors Jim Martin and Casey Bibb discuss the intricacies of target date funds, commonly found in 401(k) plans. They explain how these funds automatically adjust asset allocation as you approach retirement and analyze the pros and cons of such investments. They emphasize the importance of understanding your risk tolerance and ensure your investments match your retirement goals. The show also covers practical tips for safeguarding your assets, including reviewing insurance coverage and considering natural disaster risks. Additionally, Jim and Casey explore the unconventional topic of 'sleep divorce' for better marital bliss. 00:00 Introduction to Target Date Funds 00:19 Understanding Target Date Funds 03:45 Pros of Target Date Funds 05:12 Cons of Target Date Funds 12:21 Alternatives to Target Date Funds 14:00 Retirement Locations and Natural Disasters 19:50 The Concept of Sleep Divorce 24:48 Conclusion and Final Thoughts http://retiresmartscore.com 

Is 60/40 dead again: 0:20 Vanguard's Changing Approach 0:26 Stock and Bond Ratios Explored 1:57 The Trouble with Market Timing 2:38 Vanguard's Advice: A Shift in Strategy 3:40 The 60-40 Portfolio Debate 4:34 Caller Insights: 401k Strategies 5:17 Building a Portfolio for the Future 7:27 Target Date Funds vs. Index Funds 14:13 Streaming Financial Education 14:45 Accessing Financial Conferences 15:51 The Importance of In-Person Events 18:30 Evaluating Mortgage Payoff Decisions 19:41 Navigating Social Security Benefits 32:49 Simplifying Investment Strategies for New Investors Learn more about your ad choices. Visit megaphone.fm/adchoices

If you're thinking about your 401(k) plan, you might have heard of Target Date Funds (TDFs). In this episode, we're going to break down everything you need to know about TDFs. We'll cover what they are, why they might be a good fit for you, and what to keep in mind before making a decision. 6 Keys to Financial Independence https://getreadyforthefuture.com/keys/

Investors will often use target date funds in a retirement account because they're easy to use and align with the goal of retiring at a certain time. Is it really that simple or can you find alternatives that will provide better results for what you want to accomplish?   In the latest episode of the Money Wisdom podcast, Jake Doser, CFP®, CPWA® and Nick Colantuono, CFP® take on another listener's question about the effectiveness of target date funds for retirement planning. As retirement approaches, many individuals are faced with the decision of whether to invest in these funds or move that money somewhere else. For those interested in learning more about 401k strategies and retirement planning, we strongly suggest picking up the "Ultimate 401k Guide" by Eric Hogarth, CFP®. This guide offers insights into how 401ks work and provides practical advice for optimizing retirement savings and all you have to do is text GUIDE to 800-757-0436. Here's what we discuss in this episode: 0:00 – Today's question 1:23 – Investment goals 2:52 – What target date funds do 5:55 – 401k accounts 8:05 – Retirement account types Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/ Check us out on YouTube: https://bit.ly/3CcAzai

Today Bill and Jackie are joined by another genius in the world of retirement planning research, David Blanchett, PhD, CFA, CFP. In his role at PGIM, David is responsible for Target Date Funds and Retirement Spending Portfolios. In this episode he discusses redefined retirement concepts, the myths surrounding the 60/40 portfolio and some practical adjustments of the 4% rule. He also explains the 'retirement spending smile,' and retirement strategies for late starters.  

In this episode of the 401(k) Specialist Podcast, we'll travel down the road to better participant outcomes with MFS Investment Management's Jeri Savage, who will direct us through the key insights from the newly released 2024 MFS Global Retirement Survey. Podcast Episode Player Savage, Lead Retirement Strategist at Boston-based MFS, elaborates on some of the most impactful findings and explores how advisors and plan sponsors can help participants prioritize savings, improve retirement readiness, and navigate the complexities of target date funds.Key Insights:Target Date Fund Misunderstandings: Addressing misconceptions, especially the belief that target date funds guarantee income, will drive better participant outcomes.Retirement Concerns: The 2024 MFS Global Retirement Survey shows that three-quarters of participants feel they need to save more to achieve better participant outcomes in retirement.Competing Financial Priorities: Younger generations face significant financial challenges, like student loans, making it harder

This hospitalist paid off $380,000 of student loans in only 3 years! She had a goal and a plan from the moment she completed training. She poured every cent she could into her debt while living like a resident. She shared that it is not complicated but it does take determination to do something like this. As she was riding her bike to work and skipping on buying the fancy new car her coworkers thought she was a little nuts. She also took advantage of the student loan freeze and saved roughly $40K a year in interest by continuing to pay down the debt during that time. After the interview we will be talking about Target Date Funds. Many investors know about the historic returns, tax advantages, and wealth-building opportunities of commercial real estate investing, but they're confused about where to start or who to trust. Wellings Capital has created a diversified fund that offers investors an easy on-ramp to access carefully vetted commercial real estate operators and opportunities. Their goal is to provide income, growth, and tax benefits with limited downside risk. With a minimum investment of $50,000, investors get a stake in a portfolio of self-storage, manufactured housing, RV parks, industrial properties, and more. To learn more, go to https://whitecoatinvestor.com/wellings The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you! Be a Guest on The Milestones to Millionaire Podcast: https://www.whitecoatinvestor.com/milestones  Main Website: https://www.whitecoatinvestor.com  Student Loan Advice: https://studentloanadvice.com  YouTube: https://www.whitecoatinvestor.com/youtube  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

In this episode: simplifying your financial life, Jeremy's journey, dividend versus reinvesting, and automation. This week we are joined by Jeremy Schneider of Personal Finance Club and co-founder of Nectarine, where we will be discussing the beginnings of his personal investment journey and what that looks like now, striving for simplicity while adding value to your life, as well as discuss the ins and outs of his platform Nectarine. Part of the journey to FI is about finding hacks and ways to make your life a little easier in order to add value, sometimes by keeping it simple. Whether with your finances or in other areas of your life, it is the best option in order for you to thrive!  Jeremy Schneider: Website: personalfinanceclub.com Instagram: @personalfinanceclub

Investing often seems more complicated than needed, so we're explaining some key terms to help you better navigate the investing and financial world more confidently. We share which ones we think matter the most and what you should focus on as an investor.  Andrew joins this week's podcast as we talk about: - The difference between a stock and a bond and the historical performance of each - The difference between ETFs, index funds, and mutual funds - Market vs. limit orders and which one you should focus on - Why target date funds in your 401K and 529 plans aren't ideal and what to do instead - Which brokerage firms and accounts we like the best and why - Expense ratios, Dividends, Dollar-cost averaging, and more! Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/076-investing-terms-you-should-know-etfs-vs-mutual-funds-target-date-funds-expense-ratios-dividends-market-vs-limit-orders-and-more/

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For 18 years, the PIMCO has conducted its annual U.S. Defined Contribution Consulting Study. One of the longest-running studies of its kind, it aims to understand what retirement consultants are thinking, seeing, and planning to do next. The firm interviews some of the most influential DC-focused consultants in the country, including advisors at CAPTRUST. The respondents this year represent 15,000 U.S. retirement plans and almost $9 trillion in assets.   In this episode of Revamping Retirement, your hosts Matt Patrick and Peter Ruffel welcome PIMCO's Vidur Mehra and Joseph Szalay to find out what's trending, what's challenging, and what's new the world of defined contributions, from plan design to evaluating retirement income solutions. IMPORTANT NOTICEPlease note that this podcast contains the opinions of the managers as of the date recorded, and may not have been updated to reflect real time market developments. All opinions are subject to change without notice. PIMCO is not responsible for the information or views communicated by representatives of other companies. This material is not indicative of the past or future performance of any PIMCO product and should not be considered as investment advice or a recommendation by PIMCO of any particular security, strategy or investment product. PIMCO has distributed this material for informational purposes only. The 2024 PIMCO US Defined Contribution Consulting Study seeks to help consultants, advisors and plan sponsors understand the breadth of views and consulting services available within the defined contribution (DC) marketplace. The 2024 study captures data, trends and opinions from 28 consulting and advisory firms who serve over 15,379 clients with aggregate DC assets in excess of $7.94 trillion. All responses were collected from January 8, 2024 through February 26, 2024.   All investments contain risk and may lose value. Investing in the bond market is subject to risks, including market, interest rate, issuer, credit, inflation risk, and liquidity risk. The value of most bonds and bond strategies are impacted by changes in interest rates. Bonds and bond strategies with longer durations tend to be more sensitive and volatile than those with shorter durations; bond prices generally fall as interest rates rise, and low interest rate environments increase this risk. Reductions in bond counterparty capacity may contribute to decreased market liquidity and increased price volatility. Bond investments may be worth more or less than the original cost when redeemed. Commodities contain heightened risk, including market, political, regulatory and natural conditions, and may not be appropriate for all investors. Investing in foreign-denominated and/or -domiciled securities may involve heightened risk due to currency fluctuations, and economic and political risks, which may be enhanced in emerging markets. High yield, lower-rated securities involve greater risk than higher-rated securities; portfolios that invest in them may be subject to greater levels of credit and liquidity risk than portfolios that do not. Inflation-linked bonds (ILBs) issued by the various governments around the world are fixed-income securities whose principal value is periodically adjusted according to the rate of inflation. Repayment upon maturity of the original principal as adjusted for inflation is guaranteed by the government that issues them. Neither the current market value of inflation-indexed bonds nor the value a portfolio that invests in ILBs is guaranteed, and either or both may fluctuate. ILBs decline in value when real interest rates rise. In certain interest rate environments, such as when real interest rates are rising faster than nominal interest rates, ILBs may experience greater losses than other fixed income securities with similar durations. The value of real estate and portfolios that invest in real estate may fluctuate due to: losses from casualty or condemnation, changes in local and general economic conditions, supply and demand, interest rates, property tax rates, regulatory limitations on rents, zoning laws, and operating expenses. Stable value wrap contracts are subject to credit and management risk. Management risk is the risk that the investment techniques and risk analyses applied by an investment manager will not produce the desired results, and that certain policies or developments may affect the investment techniques available to the manager in connection with managing a strategy. Treasury Inflation-Protected Securities (TIPS) are ILBs issued by the U.S. government. Diversification does not ensure against loss.   Glide Path is the asset allocation within a Target Date Strategy (also known as a Lifecycle or Target Maturity strategy) that adjusts over time as the participant's age increases and their time horizon to retirement shortens. The basis of the Glide Path is to reduce the portfolio risk as the participant's time horizon decreases. Typically, younger participants with a longer time horizon to retirement have sufficient time to recover from market losses, their investment risk level is higher, and they are able to make larger contributions (depending on various factors such as salary, savings, account balance, etc.). Generally, older participants and eligible retirees have shorter time horizons to retirement and their investment risk level declines as preserving income wealth becomes more important. De-risking strategy is based on a function of plan funded status. As plan funded status improves, clients may be interested in reducing their plan funded status volatility by shifting out of risk assets and into liability-hedging fixed income.  Target Date Funds are designed to provide investors with a retirement solution tailored to the time when they expect to retire or plan to start withdrawing money (the "target date"). Target Date Funds will gradually shift their emphasis from more aggressive investments to more conservative ones based on their target dates. Target Date Funds invest in other funds and instruments based on a long-term asset allocation glide path, and performance is subject to underlying investment weightings, which will change over time. An investment in a Target Date Fund does not eliminate the need for an investor to determine whether a Fund is appropriate for his or her financial situation. An investment in a Fund is not guaranteed. Investors may experience losses, including losses near, at, or after the target date, and there is no guarantee that a Fund will provide adequate income at and through retirement. PIMCO does not provide legal or tax advice. Please consult your tax and/or legal counsel for specific tax or legal questions and concerns. The discussion herein is general in nature and is provided for informational purposes only. There is no guarantee as to its accuracy or completeness.  Any tax statements contained herein are not intended or written to be used, and cannot be relied upon or used for the purpose of avoiding penalties imposed by the Internal Revenue Service or state and local tax authorities. Individuals should consult their own legal and tax counsel as to matters discussed herein and before entering into any estate planning, trust, investment, retirement, or insurance arrangement. There is no guarantee that these investment strategies will work under all market conditions or are appropriate for all investors and each investor should evaluate their ability to invest for the long term, especially during periods of downturn in the market. All opinions, outlook and strategies are subject to change without notice. PIMCO as a general matter provides services to qualified institutions, financial intermediaries and institutional investors. Individual investors should contact their own financial professional to determine the most appropriate investment options for their financial situation. This material contains the current opinions of the manager and such opinions are subject to change without notice. This material has been distributed for informational purposes only and should not be considered as investment advice or a recommendation of any particular security, strategy or investment product. Information contained herein has been obtained from sources believed to be reliable, but not guaranteed. No part of this material may be reproduced in any form, or referred to in any other publication, without express written permission. PIMCO is a trademark of Allianz Asset Management of America LLC in the United States and throughout the world. ©2024, PIMCO  Pacific Investment Management Company LLC, 650 Newport Center Drive, Newport Beach, CA 92660 | 800.387.4626 These materials are being provided on the express basis that they and any related communications (whether written or oral) will not cause Pacific Investment Management Company LLC (or any affiliate) (collectively, “PIMCO”) to become an investment advice fiduciary under ERISA or the Internal Revenue Code, as the recipients are fully aware that PIMCO (i) is not undertaking to provide impartial investment advice, make a recommendation regarding the acquisition, holding or disposal of an investment, act as an impartial adviser, or give advice in a fiduciary capacity, and (ii) has a financial interest in the offering and sale of one or more products and services, which may depend on a number of factors relating to PIMCO (and its affiliates') internal business objectives, and which has been disclosed to the recipient.  These materials are also being provided on PIMCO's understanding that the recipients they are directed to are all financially sophisticated, capable of evaluating investment risks independently, both in general and with regard to particular transactions and investment strategies.  If this is not the case, we ask that you inform us immediately.  You should consult your own separate advisors before making any investment decisions. These materials are also being provided on the express basis that they and any related communications will not cause PIMCO (or any affiliate) to become an investment advice fiduciary under ERISA or the Internal Revenue Code with respect to any recipient or any employee benefit plan or IRA because: (i) the recipients are all independent of PIMCO and its affiliates, and (ii) upon review of all relevant facts and circumstances, the recipients have concluded that they have no financial interest, ownership interest, or other relationship, agreement or understanding with PIMCO or any affiliate that would limit any fiduciary responsibility that any recipient may have with respect to any Plan on behalf of which this information may be utilized.  If this is not the case, or if there is any relationship with any recipient of which you are aware that would call into question the recipient's ability to independently fulfill its responsibilities to any such Plan, we ask that you let us know immediately.    The information provided herein is intended to be used solely by the recipient in considering the products or services described herein and may not be used for any other reason, personal or otherwise. CMR2024-0815-3786436  

In this episode of Friday Fiduciary Five, Eric Dyson talks about the need for careful comparison, selection, and documentation in choosing Target Date Funds. Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information contained herein is general in nature and is provided solely for educational and informational purposes.It is not intended to provide a specific recommendation of any type of product or service discussed in this presentation or to provide any warranties, financial advice or legal advice.The specific facts and circumstance of all qualified plans can vary and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan specific circumstances.

This week on Upticks, join Jake and Cory for discussions on tax planning, 401(k) management, and more. If you call the IRS, you might get ghosted. When you retire, you'll have options for your 401(k). If you invested during the rally, you might be paying the price. Target date funds might be missing the mark. Tune-in for insight on these topics! Thank you for joining us this week! If you have a topic that you would like Jake and Cory to discuss or debate live on Upticks, please email it directly to me at luke@falconwealthadvisors.com and I'll be sure to ask them to bring it up on the show!   To subscribe to our newsletter, please email luke@falconwealthadvisors.com If you would like to contact us, please visit our website at: https://falconwealthadvisors.com/contact.html Order ‘Retiring Right' Today: https://a.co/d/geeSRDy Upticks features engaging discussions on financial planning and investments, hosted by Jake Falcon, CRPC™. Each episode explores timely conversations on topics like retirement, tax strategies, investment insights, and more. Subscribe now so you don't miss an episode! Falcon Wealth Advisors, based in Kansas City, is a wealth management firm with a dedicated team of 19 professionals. We focus on personalized retirement planning and giving our clients a first-class experience. Our approach prioritizes curated stocks and bonds over traditional products, ensuring transparency, control, and minimizing fees. Our clients, primarily working professionals and retirees from across the country, appreciate our commitment to noteworthy service and responsiveness. We foster a collaborative environment, where clients benefit from the knowledge of our entire ensemble team, helping ensure they feel heard and valued along their path to wealth. Connect with us: https://www.falconwealthadvisors.com/         https://www.falconwealthadvisors.com/content.html             Follow us on social media: https://www.facebook.com/FalconWAdvisors/         https://www.instagram.com/falconwadvisors/         https://twitter.com/FalconWAdvisors         https://www.linkedin.com/company/falcon-wealth-advisors/              Connect with Jake Falcon, CRPC™         https://www.facebook.com/jake.falcon.524         https://www.instagram.com/jake_falcon_crpc/?hl=en         https://twitter.com/jakefalconcrpc         https://www.linkedin.com/in/jakefalconfalconwealthadvisors     Third-party links and references are provided solely to share social, cultural and educational information. Any reference in this post to any person, or organization, or activities, products, or services related to such person or organization, or any linkages from this post to the web site of another party, do not constitute or imply the endorsement, recommendation, or favoring of Falcon Wealth Advisors or Hightower Advisors, LLC, or any of its affiliates, employees or contractors acting on their behalf. Hightower Advisors, LLC, do not guarantee the accuracy or safety of any linked site. #retirement #upticks #fwa #retiringright #kansascity #wealthmanagement #financialplanning

This week Paul looks at a Target Date Fund from an investor and is shocked to see what is inside. Target Date Funds are marketed to investors as safe options that allow you to choose a retirement date and forget about the rest. Paul wants you to know that these products don't live up to those claims. Later in the show, Paul talks about an investor who was interested in a five-year annuity as a way to take income before using his retirement savings. Paul explains why annuities aren't a good solution and how stocks, bonds, and fixed income assets work together to provide income without running down the portfolio.   For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

#BRNAM #1797 | Target Date Funds Continue to Evolve  | Matthew Brenner, CFA, Missionsquare Retirement | #Tunein: broadcastretirementnetwork.com | #GetTheFullStory. #JustTheFacts. #Everyday. #AllInOnePlace.

كلام ينوّر أول بودكاست عربي مبسط عن الحياة المالية ، في اللينك ده هتلاقوا كل الروابط الخاصة بكلام ينور تقدروا تتواصلوا معانا وتسمعونا من خلالها  linktr.ee/Kalamyenawar زوروا موقعنا الإكتروني هتلاقوا  الحلقة مكتوبة بالكامل وهتلاقوا ترجمة لبعض الكلمات والمصطلحات اللي اتقالت في الحلقة 171: episode-171 استكمالاً لسلسلة الحلقات اللي بنتكلم فيها عن صناديق الاستثمار المختلفة وخاصة المتداولة، اتكلمنا قبل كده عن صناديق المؤشرات المتداولة والصناديق القطاعية، النهارده بنتكلم عن نوع مميز من الصناديق المتداولة وهو صناديق التقاعد المقيدة بزمن أو Target-Date Funds  في هذه الحلقة :  المميز في صناديق التقاعد المقيدة بزمن؟  إزاي الصناديق دي بتشتغل؟ وليه هي مناسبة للتقاعد؟ أسماء الصناديق وسنة التقاعد المستهدفة: ITDA بيستهدف سنة 2025 ITDB بيستهدف سنة 2030 ITDC بيستهدف سنة 2035 ITDD بيستهدف سنة 2040 ITDE بيستهدف سنة 2045 ITDF بيستهدف سنة 2050 ITDG بيستهدف سنة 2055 IDTH يستهدف سنة 2060 ITDI بيستهدف سنة 2065 نسبة المصاريف لكل صندوق؟ إيه الفرق بين الصندوق المستهدف لسنة 2025 والصندوق المستهدف لسنة 2065؟  إزاي بيتغير توزيع الأصول داخل الصندوق مع مرور الوقت؟  نظرة عامة على أداء الصناديق  أنواع الأسهم والسندات الموجودة في كل صندوق ببساطة، صناديق التقاعد المقيدة بزمن هي التطور لنظام المعاشات، بتستهدف شريحة من المستثمرين عندهم وضوح في سن التقاعد بتوفر لهم استراتيجية تقاعد سهلة وبتكلفة أقل..  لو عندك أي سؤال أو حابب تعرف تفاصيل أكتر عن الموضوع ابعتلنا على صفحتنا  تابعوا حلقتنا واكتبولنا آرائكم بعد سماع الحلقة إدعمنا على patreon/Kalamyenawar  تابعوا شمس على OmarShams@Linkedin  OmarShams@clubhouse   تنويه هام: جميع الآراء التي تم التعبير عنها من قبل شمس وضيوف البودكاست هي آراؤهم الشخصية ولا تعكس رأي أي كيان ينتمون إليه. هذا البودكاست مخصص لأغراض تعليمية فقط ولا ينبغي الاعتماد عليه في القرارات الاستثمارية. أي اعتماد على المعلومات المقدمة يتم على مسؤوليتك الخاصة   #كلام_ينوّر #بودكاست #بودكاست_عربي #بودكاست بالعربي #صناديق_الاستثمار #Targetdatefunds

In this episode, we take a deep dive into the world of target date funds—a topic we've touched on before but never explored in-depth. Inspired by a recent article that sparked some frustration, we discuss the pros and cons of these investment tools. https://youtu.be/SY1rkeJxeK0 Here are the main points we cover: Overview of Target Date Funds: Target date funds are investment tools designed to optimize your retirement savings by automatically adjusting the asset allocation as you approach your retirement date. What Makes Target Date Funds Special? Personal Choices and Understanding: Just like any other investment, target date funds can be beneficial if used correctly. It's crucial to understand what you're investing in to make the most of these funds. A One-Fund Solution: These funds are designed to be a singular solution for retirement savings, adjusting risk levels as you near retirement. Practical Use Case Real-Life Examples: We discuss how people often choose the wrong target date fund due to misunderstandings about their retirement timeline. The Pros of Target Date Funds Simplicity: One of the standout benefits is the simplicity they offer. You don't have to worry about asset allocation—the fund managers do it for you. Diversification: These funds tend to be highly diversified, covering various asset classes, which can often include assets unavailable in standard 401(k) plans. Cost-Effective: Many target date funds are inexpensive, especially those based on index funds. Automatic Rebalancing: The fund managers take care of rebalancing, ensuring your portfolio remains aligned with your retirement goals. The Cons of Target Date Funds One-Size-Fits-All Approach: While these funds simplify investing, they also operate on a one-size-fits-all basis, which may not suit everyone's individual financial situation. Conclusion While target date funds offer numerous benefits, they are not without their drawbacks. Understanding these can help you make informed decisions about your retirement planning. Additional Resources For more insights into target date funds and how they can fit into your retirement plan, check out this Vanguard guide on target date funds. Feeling overwhelmed with retirement planning? Don't worry, the right target date fund can simplify your path to a comfortable retirement. Tune in to our episode and learn how to make the most out of your investments. And if you liked this episode, don't forget to subscribe, rate, and review us on YouTube Tune in to this episode for expert insights and practical tips to help you on your retirement planning journey. 517-321-4832 info@srbadvisors.com

Learn about popular Target Date Funds for your retirement account and how they can fit into your financial strategy. Join Matt as he explains what target date funds are, why they've become popular in 401(k)s and other retirement accounts, and how to evaluate them as an investment choice for both retirement and non-retirement portfolios. Learn about the benefits of diversification, simplicity, and automatic rebalancing, and consider key factors like fees and risk tolerance. Tune in for actionable advice for establishing investments that are well-managed and aligned with your long-term financial goals. Remember to tap that subscribe button for upcoming Season 4 SK insights.

In December 2020, Vanguard made some changes to its Target Date Funds. The changes benefits large, institutional investors by lowering costs. But it hurt small, retail investors who held target funds in taxable accounts. The result was that in 2021, these small investors got hit with massive capital gains.In response, a class action lawsuit was filed against Vanguard and related parties. The defendants moved to dismiss the case. They argued that the plaintiffs didn't have standing to sue, meaning they hadn't been harmed. Vanguard even went so far as to claim that the capital gains hit benefited the small investors because, theoretically, they may have to pay even more at some point in the future.Vanguard also moved to dismiss the case, arguing that it hadn't breached any duties of care or loyalty to the investors.The judge in the case has ruled largely in favor of the plaintiffs. The case will be forward to the next phase--discovery.Here's a copy of the judge's ruling: https://www.bloomberglaw.com/public/d...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

Send us a Text Message.In this episode we meet with Cam Marzi from Rogue Advisors. Cam shares his financial career journey and provides a refreshing take on the role financial planners play serving clients. Cam also talks through the considerations of using Target Date Funds and how to optimize returnsFollow Cam Marzi X: @Invested_In_YouContact The Savings CaptainX                        @SavingsCaptainInstagram     @thesavingscaptainEmail                thesavingscaptain@gmail.comTalking Trading - Expert trading tactics so you can excel in the sharemarket.This is how traders and investors excel.Listen on: Apple Podcasts Spotify

It's Sunday, which means...it's recap time here on the Retirement Quick Tips Podcast.  The theme this week was: Listener Questions...Answered!  In case you missed any episodes, here's what I talked about this week… Working Less Later In Life Can I Invest my entire portfolio in Target Date Funds? What to consider when buying or exchanging an annuity? Is the 4% Rule Still a good withdrawal rate rule of thumb? How to Pick a good financial advisor

In this episode we answer emails from Stuart, George and MyContactInfo.  We discuss a follow-up on another listener's accumulation portfolio, the foibles of trying to predict future interest rates and common fallacious reasoning, levered inverse treasury bond funds and other funds that do well in rising interest rate environments, and a follow up on our target date fund rant episode (#333).Links:Portfolio Visualizer Analysis of UPRO and synthetic alternatives:  Backtest Portfolio Asset Allocation (portfoliovisualizer.com)TestFol Analysis with an inverse treasury bond exposure:  testfol.ioSupport the Show.

You've been told to diversify your portfolio but how can you tell if you're diversified enough? Does conventional thinking like the Rule of 100 or using ETFs work in 2024? What about Target Date Funds?   In this episode, we reveal what conventional thinking is missing. The stat we share about Target Date Funds is one of the most surprising. Be sure you don't miss it.   We live in a globalized world where you (and your assets) are more connected than ever. Isn't it time to learn the historical wisdom about non-correlated assets?   In the Great Recession, you saw just how related supposedly "non-correlated" assets were. Isn't it time to add more diversification to your portfolio? Watch now to discover what that could look like for you.   And never forget: Different is good!   00:00 Kevin's Journey: A Lesson in Diversity 02:18 Diving Deep into Diversification 03:37 Personal Stories and Financial Insights 07:25 Rethinking Diversification in Finance 11:35 Creative Financial Strategies and Future Foundations   Links mentioned in the episode: Grab your very own copy of Five Smooth Stones here: https://www.wealthwisdomfp.com/shop (physical and digital versions available) Schedule a Discovery Call with us here: https://www.wealthwisdomfp.com/call   Watch this episode on YouTube here: https://youtu.be/9OGb0E-T3dg 

In this episode of Friday Fiduciary Five, Eric Dyson talks about the recent Government Accountability Office (GAO) report regarding Target Date Funds in 401k retirement plans and their recommendations for the Department Of Labor regarding DOL TDF Guidance. Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/

In the previous episode, Monterey Wealth discussed the advantages of rebalancing an investment portfolio when choosing a customized allocation. However, many participants are invested in target date funds within their retirement plans.  This can lead to many questions. What are target date funds?How does my asset allocation change over time?Do I need to rebalance the target date funds?Monterey Wealth answers all of these questions and more. 

In this episode we answer an email from Ingrid.  We discuss target date funds in depth and why they are not good choices for investors.  We review their history and recent academic research that reveals the truth.  You may not like it, but we hope you can handle it.And THEN we our go through our weekly portfolio reviews of the seven sample portfolios you can find at Portfolios | Risk Parity Radio.Additional link: Referenced Academic Paper Revealing The Awful Truth About Target Date Funds:  The Unintended Consequences of Investing for the Long Run: Evidence from Target Date Funds by Massimo Massa, Rabih Moussawi, Andrei Simonov :: SSRNSupport the show

The Sentiment Index is hanging in, despite weakening regional surveys; economists see no recession in sight; bank reserves have been rising since October 2022. End of quarter rebalancing is generating some activity; after three-days of selling, market futures are positive this morning. Watch markets' steep angle of ascent; this is not sustainable, and correction will result sooner or later. Lance's unique inflation indicator... Markets still act like there's a flood of liquidity when there's not; markets are bifurcated; Houston real estate is insane. Can Wall Street save your retirement? Larry Fink thinks so, or at least wants you to think he can; Blackrock & Merrill want to hold your money forever. Creation of Merrill's Target Date Fund. Why Annuities are so lucrative; three reasons why you should have one. A look at the origins of 401k's and how we screwed them up. The dearth of financial education. SEG-1: Economists See No Recession in Sight SEG-2: The Bifurcated Market & Houston Real Estate SEG-3: Larry Fink's "Solution" for the Retirement Crisis SEG-4: Three Reasons Why You Should Have an Annuity Hosted by RIA Advisors Hosted by RIA Advisors Chief Investment Strategist, Lance Robert, CIO, w Senior Financial Advisor Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's show video here: https://www.youtube.com/watch?v=34W7b1txFIc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=13s ------- Articles mentioned in this report: "Technical Measures And Valuations: Does Any Of It Matter?" https://realinvestmentadvice.com/technical-measures-and-valuations-does-any-of-it-matter/ "Market Bubble? A Function Of Psychology" https://realinvestmentadvice.com/newsletter/ "Retirement Crisis Faces Government And Corporate Pensions" https://realinvestmentadvice.com/retirement-crisis-faces-government-and-corporate-pensions/ ------- The latest installment of our new feature, Before the Bell, "Markets' Steep Ascent is Unsustainable," is here: https://www.youtube.com/watch?v=TE7VKucDYJk&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "Do Technical Measures & Valuations Matter?" https://www.youtube.com/watch?v=XKNtRTENGiI&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=14s -------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementCrisis #Blackrock #MarketValuations #MarketTechnicals #MarketBubblePsychology #MarketCorrectionIsComing #SocialSecurity #LarryFink #InvestingAdvice #Markets #Money #Investing

Our guest on the podcast today is Anne Lester. She's author of a new book called Your Best Financial Life: Save Smart Now for the Future You Want. Before writing the book, Anne spent 20 years as head of retirement solutions for J.P. Morgan. With AARP, she co-founded The Aspen Leadership Forum on Retirement Savings. In 2020, Anne was recognized for her extraordinary lifetime contributions to Americans' economic security with the Ray Lillywhite Award. She earned a master's in international economics and Japan studies from Johns Hopkins University and a B.A. from Princeton. She was also awarded a Fulbright Graduate Research Fellowship.BackgroundBioYour Best Financial Life: Save Smart Now for the Future You Want, by Anne LesterMillennials, Money, and Investing“Don't Make These 6 Money Mistakes in Your 30s, Says Former JPMorgan Retirement Expert,” by Anne Lester, cnbc.com, Jan. 4, 2022.“Fake Rich? Affluent Millennials Are More Likely to Exaggerate to Appear Wealthy. Here's What Experts Say They Should Do Instead,” by Lorie Konish, cnbc.com, Jan. 25, 2024.“A Spender's Guide to Surviving Financial Mistakes With Anne Lester,” Earn & Invest podcast, earnandinvest.com.“The Worst Money Advice on the Internet,” by Stephanie Hallett, businessinsider.com, June 2, 2022.“Setting Aside $20 a Day Could Help You Save $1 Million for Retirement —If You Start Early,” by Cheyenne DeVon, cnbc.com, Jan. 5, 2024.Target-Date Funds and Retirement Savings System“Retirement Experts Identify Possible Fixes to the Retirement Savings Gap,” by Paul Mulholland, planadviser.com, Oct. 3, 2022.“Quit Your Job? Here's What to Do With Your 401(k),” by Jeanne Sahadi, cnn.com, Jan. 6, 2022.“Ladies, How Much Is Really Enough for Retirement?” hermoney.com, June 23, 2022.Other“Brigitte Madrian: ‘Inertia Can Actually Be a Helpful Thing,'” The Long View podcast, Morningstar.com, April 22, 2020.

The IRS has been in the news for waiving penalties from prior tax years AND people are getting surprise tax bills. That has brought about a slew of companies advertising tax debt relief. Know what applies to you, and why you shouldn't take the bait for “debt relief”. Also in the news, the lawsuit against Vanguard over its target date funds is moving through the courts. Know what role TDFs play in your portfolio and where they should NEVER be placed.  Tax Penalty Changes: Segment 1 Ask Clark: Segment 2 Vanguard's Target Date Funds: Segment 3 Ask Clark: Segment 4 Mentioned on the show: [The Washington Post] IRS is waiving $1B in penalties. Beware of tax debt relief companies. IRS Zaps Nearly $1 Billion in Penalties for Taxpayers - The Wall Street Journal. Surprise Bill Coming to Those Who Underpay Taxes  When Should You Get an Accountant To Do Your Taxes? How to Freeze Your Child's Credit Should You Make Your Child an Authorized User on Your Credit Card? Is Pet Insurance Worth It? What You Need To Know Before You Buy How To Create a Will Online Living Will and Durable Power of Attorney: Frequently Asked Questions Clark Howard's 5-Point Annual Checklist You Should Follow Lawsuit Over Vanguard's Target-Date Funds Can Proceed, Judge Rules Target Date Funds: Clark's Favorite Retirement Investment Frequently Asked Questions on Gift Taxes What Is a Roth 401(k) and How Does It Work? Best Budgeting Apps in 2024: Our Top 5 Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Can Clark Kent's dad in Hutchinson, Kansas retire at age 50? Will Devin in South Carolina be fat and happy or cutting calories if he retires at 59 and a half? Can Scott Magic in Idaho retire to a good and simple life at age 60? Gina and her wife are 52 and 58. Can they retire in four years, and how much should they be putting in their Roth accounts? Plus, Frenchie in Maine needs a spitball on a Roth conversion strategy with Canadian retirement funds, and Andi shares what she knows about target date funds. Timestamps: 00:49 - Can Superman's Dad Retire at Age 50? (Martha Kent, Hutchinson, KS) 07:23 - Can We Retire to a Good Simple Life at Age 60? (Scott Magic, ID) 14:12 - Fat & Happy in Retirement or Cutting Calories at Age 59 and a Half? (Devin, SC) 20:56 - We're 52 and 58. Can We Retire in 4 Years? How Much Should We Put in Roth? (Gina, WA) 28:06 - Canadian Retirement Roth Conversion Strategy? Target Date Funds? (Frenchie, Maine) 37:06 - The Derails Access this week's free financial resources in the podcast show notes at https://bit.ly/ymyw-462  EASIretirement.com free retirement calculator Episode Transcript Ask Joe & Big Al On Air for your Retirement Spitball Analysis