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Target-Date Funds: Key Insights for Retirement Planning

3/25/2026

Summary

Story summary

Target-date funds are all-in-one retirement portfolios that automatically adjust their asset mix over time.
Experts say investors should understand underlying investments, glide paths, and expense ratios when selecting a fund.
Many funds now allocate higher stock shares, which may support longer-term performance.
In 2025, the average expense ratio for target-date funds fell to 0.27%.
Investors should align choices with risk tolerance and retirement goals, and consult a financial professional.

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Story summary

Target-date funds are all-in-one retirement portfolios that automatically adjust their asset mix over time.
Experts say investors should understand underlying investments, glide paths, and expense ratios when selecting a fund.
Many funds now allocate higher stock shares, which may support longer-term performance.
In 2025, the average expense ratio for target-date funds fell to 0.27%.
Investors should align choices with risk tolerance and retirement goals, and consult a financial professional.