A new study from Morningstar looked at the performance of TDF's over the last 15 years and concluded: “If Target Date Funds had never been invented, and Vanguard and Fidelity had placed that money in a balanced fund, investors would be significantly wealthier today.”

As you get closer to retirement, the TDF's in your accounts are supposed to move to more conservative investments. Yet, many lost significant amounts in 2022 because of the "bad" bond market.

 

In this episode, Jon argues that Target Date Funds are inefficient, costly, and can bear the burden of things like phantom income taxes.

 

But it’s not all doom and gloom… he also shares ideas on ways you may be able to build a well-orchestrated, simple portfolio that aligns with your risk tolerance and investment goals.

 

Don't let your retirement savings erode in the shadows of inefficiency. Connect with Jon and his team at J Hagan Capital to explore your available investment opportunities.

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