No. of Recommendations: 4
These days, target date funds are so diverse that one cannot simply take any 2030 fund and assume it is comparable to any other 2030. In this respect, they are much like any other actively managed fund so any article that promotes them or comes out against them is going to be faulty if they do not consider this fact.

Just yesterday I was reviewing two different 2030 funds and their stock to bond ratio varied by over 10%. Their domestic vs international stock also varied significantly. Some target date funds are managed so that income would start on that date while others are managed with the idea that they will in fact be liquidated on that date - resulting in very different management styles.

Personally, I think they are a "very good" solution for the vast majority of 401k investors (and 1st time IRA investors) that have no desire to either learn more about investing or any desire to manage their own money. I have found the funds to have very similar expenses to (and often cheaper than) other actively managed diversified funds within the same fund family.
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