How Different Target-Date Funds Shift Assets as Retirement Nears

Firms have varying timetables for moving clients’ assets into retirement-income funds.

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When you select a target-date retirement fund, you first find one with a name that contains the year closest to the year you plan to retire. The fund will invest your money in a mix of stocks and bonds that becomes more conservative as the target year nears. Eventually, your money is rolled into a retirement-income fund, which holds the final asset mix.

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Ryan Ermey
Former Associate Editor, Kiplinger's Personal Finance

Ryan joined Kiplinger in the fall of 2013. He wrote and fact-checked stories that appeared in Kiplinger's Personal Finance magazine and on He previously interned for the CBS Evening News investigative team and worked as a copy editor and features columnist at the GW Hatchet. He holds a BA in English and creative writing from George Washington University.