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?
On the surface, these funds offer simplicity: automatic rebalancing, age-based allocations, and minimal effort required. But beneath the convenience lies a big question—do they actually match your personal retirement goals? In this episode, Scott walks through the real pros and cons of target-date funds, especially for pilots, executives, and high-income earners building significant balances.
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OvercastHere’s some of what we discuss in this episode:
🧭 Why defaulting to a target-date fund could misalign with your goals
📉 How these funds reduce risk, but possibly too early or too much
⚠️ The hidden costs and risks that go beyond fees
🎯 What to do instead if you’re ready for more control
0:00 – Intro
1:05 – What is a target-date fund?
4:10 – Benefits and risks
9:14 – Look out for fees
15:03 – Do target funds work for your goals?
Resources for this episode:
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Check out our other no-cost financial resources & guides here: https://retireairlines.com/guides-whitepapers/
The “When I Die” binder: https://retireairlines.com/wp-content/uploads/2024/10/Scott-O-FILLABLE-BINDER-10.22.24-1.pdf
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