{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"Target-Date Funds: Smart Strategy or Lazy Investing?","description":"Target-date funds just passed $4 trillion in assets. They\u2019re 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\u2026 or just the easiest one? In this episode, John tackles the pros, cons, and misconceptions surrounding target-date funds. We\u2019ll break down how they work, why they\u2019re so popular, and what you don\u2019t know that could be costing you more than you think. We\u2019re talking hidden fees, misunderstood risk levels, and why this \u201cset it and forget it\u201d method might be fine at 25, but risky at 50. You\u2019ll also learn the real meaning of \u201cglide path,\u201d and how it may seriously impact your long-term results. Here\u2019s some of what we discuss in this episode:  \ud83d\udcc8 Pros and cons of target-date funds  \ud83e\udd16 The appeal of set-it-and-forget-it investing  \ud83d\udcca Overlap risk: owning the same thing in multiple funds  \ud83c\udfaf Are target-date funds managed?  \ud83e\udde9 Why a one-size-fits-all fund might not fit you at all Get in touch: Phone: 661-775-3704 Book an appointment with us: http:\/\/bookachatwithjohn.net &amp;nbsp; Get in touch with us: https:\/\/mearsmoney.com\/ &amp;nbsp; Watch the Podcast on YouTube: https:\/\/bit.ly\/3PmcOPM Check out John\u2019s FREE Books: https:\/\/je9gekmc.pages.infusionsoft.net\/ ","author_name":"The Red Zone Retirement Program","author_url":"http:\/\/mearsmoney.com\/","html":"<iframe title=\"Libsyn Player\" style=\"border: none\" src=\"\/\/html5-player.libsyn.com\/embed\/episode\/id\/37138025\/height\/90\/theme\/custom\/thumbnail\/yes\/direction\/forward\/render-playlist\/no\/custom-color\/88AA3C\/\" height=\"90\" width=\"600\" scrolling=\"no\"  allowfullscreen webkitallowfullscreen mozallowfullscreen oallowfullscreen msallowfullscreen><\/iframe>","thumbnail_url":"https:\/\/assets.libsyn.com\/secure\/item\/37138025"}