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This was kinda my point regarding target date funds. They often get you "to" retirement. When you step off into retirement a target dated fund may not be designed to get a retiree "through" retirement.
Cman's comment (condensed paraphrased version): Someone ought to do a target dated fund with a strategy of moving from indexed funds to all managed funds that have a good record of balancing performance with downside protection. Interpolate smoothly between them. It is not that difficult to do on your own either.
For me, the search is on to create this type of portfolio...Help welcome.
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5 Ways To Protect Your Retirement Income
This was kinda my point regarding target date funds. They often get you "to" retirement. When you step off into retirement a target dated fund may not be designed to get a retiree "through" retirement.
Cman's comment (condensed paraphrased version):
Someone ought to do a target dated fund with a strategy of moving from indexed funds to all managed funds that have a good record of balancing performance with downside protection. Interpolate smoothly between them. It is not that difficult to do on your own either.
For me, the search is on to create this type of portfolio...Help welcome.