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Fixing Target Date Funds

A Fiduciary Guide to Ameliorating Alarming Deficiencies

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Fixing Target Date Funds

By: Ronald Surz
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In Fixing Target Date Funds, industry expert Ron Surz takes a critical look at the most popular Qualified Default Investment Alternative (QDIA) and explains why today’s Target Date Funds (TDFs) are leaving millions of investors exposed to unnecessary risk. Despite their promise, TDFs often fall short of the theory they say they follow, carrying far more risk at the target date than investors realize, imprudently endangering those near retirement.
Why TDFs Need Repairing:
  • Misaligned Risks: TDFs claim a solid investment theory, but the real-world application often strays dangerously from it.
  • Proprietary Lock-In: Investments are controlled by fund managers who are unlikely to be the best in every asset class.
  • Suppressed Innovation: A few large firms manage over 70% of TDF assets. Oligopolies quash innovation.
  • Fiduciary Breach: Fiduciaries are not vetting their TDF selection, opting to choose their bundled service provider, thereby creating the oligopoly.
Surz introduces innovative, patented glidepaths based on academic theories, offering a revolutionary U-shaped approach that ensures safer navigation “to” and “through” retirement. His personalized approach allows TDFs to truly deliver on their promises, prioritizing genuine customization and protecting investors’ futures.
Setting the Standard for TDF Performance
As a final tool for fiduciaries and investors alike, Surz provides industry-first benchmarks that set a new standard for evaluating TDF performance. With no current standards in place, these benchmarks pave the way for accountability and informed decision-making.

Plan Participants Deserve Protection
For anyone who relies on TDFs—or advises those who do—this book is a must-read guide to understanding the risks, solutions, and future of secure retirement planning.

Ronald Surz is president of Target Date Solutions, developer of the patented Safe Landing Glide Path , Soteria personalized target date accounts, and Age Sage do-it-yourself lifetime investing.
His passion is helping his fellow baby boomers at this critical time in their lives when they are relying on their lifetime savings to support a retirement with dignity, so he (1) wrote the book Baby Boomer Investing in the Perilous 2020s , (2) co-hosts the Baby Boomer Investing Show, (3) writes a LinkedIn newsletter for baby boomers and (4) is on the board of the Golden Life Community.

 Aging & Longevity Personal Development Personal Success Investing
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