Target-Date Funds: Wall Street’s “Set It and Forget It” Trap
Update: 2025-12-18
Description
LISTEN and SUBSCRIBE on:
Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608
Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i
WATCH and SUBSCRIBE on:
https://www.youtube.com/@WatchdogOnWallstreet/featured
Target-date funds are sold as the easy, worry-free choice for 401(k) investors—but that simplicity is disappearing fast. As Jason Zweig warns in the Wall Street Journal, Wall Street has a habit of taking elegant ideas and burying them under fees, complexity, and opaque strategies. In this episode, Chris explains why target-date funds have always been problematic, how over-diversification and mediocre performance leave investors just treading water, and why “alternatives” are likely the next thing quietly stuffed into these portfolios. If you think you’re safely set it and forgetting it, you may actually be volunteering to be the last buyer in Wall Street’s game of musical chairs.
Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608
Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i
WATCH and SUBSCRIBE on:
https://www.youtube.com/@WatchdogOnWallstreet/featured
Target-date funds are sold as the easy, worry-free choice for 401(k) investors—but that simplicity is disappearing fast. As Jason Zweig warns in the Wall Street Journal, Wall Street has a habit of taking elegant ideas and burying them under fees, complexity, and opaque strategies. In this episode, Chris explains why target-date funds have always been problematic, how over-diversification and mediocre performance leave investors just treading water, and why “alternatives” are likely the next thing quietly stuffed into these portfolios. If you think you’re safely set it and forgetting it, you may actually be volunteering to be the last buyer in Wall Street’s game of musical chairs.
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