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The Lazy Way to Retire? Let’s Talk Target-Date Funds

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Manage episode 486998274 series 3585684
Content provided by Scott Osborn. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Scott Osborn or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://staging.podcastplayer.com/legal.

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?

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

🧭 Why defaulting to a target-date fund could misalign with your goals

📉 How these funds reduce risk—but possibly too early or too much

⚠️ The hidden costs and risks that go beyond fees

🎯 What to do instead if you're ready for more control

Resources:

Our website: https://retireairlines.com/

Phone: (419) 314-4139

Contact our team: https://retireairlines.com/contact-us/

Schedule an introductory call: http://callosborn.com/

Order your no-cost retirement toolkit: https://keap.page/lde199/the-pilot-s-planner-toolkit.html

Check out our other no-cost financial resources & guides here: https://retireairlines.com/guides-whitepapers/

The “When I Die” binder: https://retireairlines.com/wp-content/uploads/2024/10/Scott-O-FILLABLE-BINDER-10.22.24-1.pdf

Watch the podcast on YouTube: https://www.youtube.com/channel/UC_hNGqqVjqgtuoYZlu9i4yQ

  continue reading

41 episodes

Artwork
iconShare
 
Manage episode 486998274 series 3585684
Content provided by Scott Osborn. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Scott Osborn or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://staging.podcastplayer.com/legal.

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?

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

🧭 Why defaulting to a target-date fund could misalign with your goals

📉 How these funds reduce risk—but possibly too early or too much

⚠️ The hidden costs and risks that go beyond fees

🎯 What to do instead if you're ready for more control

Resources:

Our website: https://retireairlines.com/

Phone: (419) 314-4139

Contact our team: https://retireairlines.com/contact-us/

Schedule an introductory call: http://callosborn.com/

Order your no-cost retirement toolkit: https://keap.page/lde199/the-pilot-s-planner-toolkit.html

Check out our other no-cost financial resources & guides here: https://retireairlines.com/guides-whitepapers/

The “When I Die” binder: https://retireairlines.com/wp-content/uploads/2024/10/Scott-O-FILLABLE-BINDER-10.22.24-1.pdf

Watch the podcast on YouTube: https://www.youtube.com/channel/UC_hNGqqVjqgtuoYZlu9i4yQ

  continue reading

41 episodes

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