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? These funds promise convenience and automatic adjustments, but with so much riding on a one-size-fits-all solution, it’s worth asking—are they really helping you, or just keeping you on autopilot?

In this episode, Ryan explains how target-date funds work, why they’ve become so popular, and the hidden pitfalls that many investors miss.

Here’s what we discuss in this episode:

💰 What $4 trillion in target-date funds means for investors

🗺️ Why "set it and forget it" may lead you off course

🎢 How risk and returns can vary wildly between fund providers

⏳ The danger of getting too conservative too soon

🔍 Smarter strategies as you near retirement

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