As responsibility for retirement readiness has shifted from employer to employee, the average worker is expected to understand what to do with his or her retirement assets and what to avoid.
Tools such as auto-enrollment and automatic escalation have been developed to aid employees, but ultimately, investment discretion is left firmly in the participant’s hands. The industry is rife with stories of participants making poor investment decisions such as withdrawing from equity after a market drop and returning after the market has recovered. To help participants avoid these issues, target date funds (TDFs) offer a set mix of asset classes with a predetermined maturity date. How effective are TDFs, and what challenges do they present?
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