{"id":4322,"date":"2019-11-04T08:35:24","date_gmt":"2019-11-04T13:35:24","guid":{"rendered":"http:\/\/therosenbaumlawfirm.com\/blog\/?p=4322"},"modified":"2019-11-04T08:35:24","modified_gmt":"2019-11-04T13:35:24","slug":"a-useless-statistic-on-target-date-funds","status":"publish","type":"post","link":"https:\/\/therosenbaumlawfirm.com\/blog\/?p=4322","title":{"rendered":"A useless statistic on Target Date Funds"},"content":{"rendered":"<p><span class=\"s2\">I\u2019m not a big fan of target-date funds and that bias goes back to the implosion of the stock market in 2008-2010, where I thought older workers didn\u2019t realize that their target-date funds had so much equity exposure. I also question the funds\u2019 glide path, as well as no consistency between funds with the same target year across all the fund families.<\/span><\/p>\n<p><span class=\"s2\">A recent study stated that retirement plan participants who invest in target-date funds contribute less to their plans than participants who don\u2019t use them. Quite honestly, the results are skewed when may automatic enrollment options use target-date funds as the qualified default investment alternative (QDIA). So many people that use target-date funds, only use it because they are automatically enrolled.<\/span><\/p>\n<p><span class='st_sharethis' st_title='{title}' st_url='{url}' displayText='ShareThis'><\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>I\u2019m not a big fan of target-date funds and that bias goes back to the implosion of the stock market in 2008-2010, where I thought older workers didn\u2019t realize that their target-date funds had so much equity exposure. I also &hellip; <a href=\"https:\/\/therosenbaumlawfirm.com\/blog\/?p=4322\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n<p><span class='st_sharethis' st_title='{title}' st_url='{url}' displayText='ShareThis'><\/span><\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/4322"}],"collection":[{"href":"https:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4322"}],"version-history":[{"count":1,"href":"https:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/4322\/revisions"}],"predecessor-version":[{"id":4323,"href":"https:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/4322\/revisions\/4323"}],"wp:attachment":[{"href":"https:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4322"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4322"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4322"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}