Target Date Fund 💰💰💰

This is an audio description of a financial podcast episode. The hosts discuss the history and function of target date funds (TDFs). They explain that TDFs were created in the mid-1990s as a solution to the complexity of 401(k) plans, which replaced traditional pensions. The hosts highlight the key role of the Pension Protection Act of 2006 (PPA) which designated TDFs as a qualified default investment alternative (QDIA), leading to their widespread adoption. They define the glide path as the core feature of a TDF, which automatically shifts a portfolio from aggressive (more stocks) to conservative (more bonds) as an investor gets closer to retirement. The episode concludes by prompting the listener to consider the trade-off between the convenience of TDFs and the desire for hands-on investment control.

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