Target Date Funds: Set It and Forget It? | Durham News

Target date funds may seem like the perfect retirement solution—automatic, hands-off, and designed to grow your money until you retire. But experts are sounding the alarm: this one-size-fits-all approach ignores your unique risk tolerance, Social Security timing, or pension status. While the classic 60/40 stock-bond split still gets tossed around, some advisors argue that with longer lifespans and inflation, a bolder 90/10 allocation might be smarter for lasting returns. The real issue? Relying on “set it and forget it” can blind you to critical adjustments. These funds aren’t bad—they’re just not magic. Stay informed, ask questions, and revisit your strategy often. Your future self will thank you. Listen in comfort:Get a discount on a Soli Pillow: http://solipillow.com/discount/dnn. Advertise on DNN:[email protected] This is an automated, high-level news summary based on public reporting.Report issues to [email protected]. View sources & latest updates:https://sources.thednn.ai/00009f0d50327260