[{"data":1,"prerenderedAt":58},["ShallowReactive",2],{"term:target-date-fund":3},{"term":4,"related":45},{"id":5,"title":6,"body":7,"category":27,"description":28,"extension":29,"faq":30,"meta":31,"navigation":32,"path":33,"related":34,"seo":38,"stem":39,"takeaways":40,"__hash__":44},"terms\u002Fterms\u002Ftarget-date-fund.md","Target-Date Fund",{"type":8,"value":9,"toc":22},"minimark",[10,15,19],[11,12,14],"h2",{"id":13},"understanding-target-date-fund","Understanding Target-Date Fund",[16,17,18],"p",{},"You pick the fund closest to your expected retirement year, such as a 2055 fund. It starts with mostly stocks and becomes more conservative over time along a path called the glide path.",[16,20,21],{},"Target-date funds offer one-decision diversification and are common default options in 401(k) plans. Glide paths and fees differ between providers.",{"title":23,"searchDepth":24,"depth":24,"links":25},"",2,[26],{"id":13,"depth":24,"text":14},"retirement","A fund that automatically shifts from stocks to bonds as a chosen retirement year approaches.","md",[],{},true,"\u002Fterms\u002Ftarget-date-fund",[35,36,37],"asset-allocation","rebalancing","401k",{"title":6,"description":28},"terms\u002Ftarget-date-fund",[41,42,43],"Target-date funds rebalance toward bonds as retirement nears.","They provide diversification in a single fund.","Check the glide path and fees, which vary.","cCIVRb7bUmpGg3F_wIiuig5-5PnI3QQ_bI9GvsgPnHU",[46,50,54],{"title":47,"description":48,"path":49},"401(k) Plan","An employer-sponsored U.S. retirement plan funded through payroll contributions.","\u002Fterms\u002F401k",{"title":51,"description":52,"path":53},"Asset Allocation","How a portfolio is split across asset classes such as stocks, bonds, and cash.","\u002Fterms\u002Fasset-allocation",{"title":55,"description":56,"path":57},"Rebalancing","Buying and selling holdings to bring a portfolio back to its target mix.","\u002Fterms\u002Frebalancing",1793374006035]