A 401(k) Plan Personalized for You

New retirement plan options seek to improve on standard target-date funds.

(Image credit: DNY59)

Target-date funds hinge on one principle: Age matters in investing. Young investors have time to recover from market downturns and can afford to take on more risk than those who are nearing retirement. With that in mind, target-date fund managers shift the mix of stocks and bonds to a more conservative blend as the funds near their target year.

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Brendan Pedersen
Staff Writer, Kiplinger's Personal Finance
Brendan joined Kiplinger in 2018 and writes about technology, security and money. A Chicagoland native, he graduated from DePaul University with degrees in journalism and political science. Before moving to Washington, D.C., Brendan covered local politics for NBC Chicago and daily news for BusinessDen in Colorado.