{"id":5654,"date":"2021-07-27T09:38:03","date_gmt":"2021-07-27T13:38:03","guid":{"rendered":"http:\/\/therosenbaumlawfirm.com\/blog\/?p=5654"},"modified":"2021-07-27T09:38:03","modified_gmt":"2021-07-27T13:38:03","slug":"the-problem-with-target-date-funds-are-the-investors-that-use-them","status":"publish","type":"post","link":"https:\/\/therosenbaumlawfirm.com\/blog\/?p=5654","title":{"rendered":"The problem with Target Date funds are the investors that use them"},"content":{"rendered":"\n<p>A target-date fund (TDF) could be an attractive investment alternative for a participant that can\u2019t be bothered with allocating their account balance.<\/p>\n\n\n\n<p>The reason I have trepidation about target-date funds is because of how certain participants use it, as well as the financial advisors that don\u2019t have a word with these participants.<\/p>\n\n\n\n<p>According to data from Vanguard, 27% of use TDFs along with other 401(k) mutual funds. Another 2% use more than one target-date fund; 4% use two or more TDFs as well as other funds. So about a 1\/3rd of participants are using TDFs incorrectly and plan providers and plan sponsors are ignoring this big fact.<\/p>\n\n\n\n<p><\/p>\n<p><span class='st_sharethis' st_title='{title}' st_url='{url}' displayText='ShareThis'><\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>A target-date fund (TDF) could be an attractive investment alternative for a participant that can\u2019t be bothered with allocating their account balance. The reason I have trepidation about target-date funds is because of how certain participants use it, as well &hellip; <a href=\"https:\/\/therosenbaumlawfirm.com\/blog\/?p=5654\">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\/5654"}],"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=5654"}],"version-history":[{"count":1,"href":"https:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/5654\/revisions"}],"predecessor-version":[{"id":5655,"href":"https:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/5654\/revisions\/5655"}],"wp:attachment":[{"href":"https:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5654"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5654"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5654"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}