Is a Target-Date Fund Right for You?

Investing can sometimes be a time-consuming, confusing and overwhelming task.  It can be scary to know that you are responsible for:

1. Reviewing, researching and analyzing investment choices.

2. Selecting the right mix of investments based on your goal and time horizon.

3. Staying up-to-date on what’s happening in the financial markets and economy.

4. Making periodic adjustments to your investment mix as you age or your life goals change, or as long-term economic and market changes occur.

5. Managing your emotions so that you aren’t tempted to buy and sell investments at the wrong time.

If you don’t have the time, training or temperament to do all of these things, target-date funds offer a welcome level of simplicity.