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? Let's look closer at the rising popularity of target-date funds and explain what you really need to know if your 401(k) is riding on one.

These "set it and forget it" options offer built-in diversification and automatic rebalancing, but they're not a one-size-fits-all solution. You'll learn how target-date funds work, why they became the default choice after the 2008 financial crisis, and what they do (and don't) protect you from as you near retirement. The guys also break down common misconceptions, why these funds never go 100% conservative, and when it might make sense to switch strategies.

Here's some of what we discuss in this episode:

💰 Target-date funds now hold over $4 trillion, should you be using one?

📆 How these funds automatically adjust risk as you age

⚠️ The catch: they're not as conservative as you might think

📉 When autopilot investing can backfire in volatile markets

🧩 How to decide if you should stay in a TDF or build your own strategy

Contact:

Website: http://bradshawfp.com

Email: [email protected]

Call: 704-216-2260