Millions of Americans have been handed responsibility the past couple of decades for funding their own retirements, whether they want it or not. Many have turned to target-date funds as an elegant one-stop answer.With target dates, you fill in the year you plan to retire-say 2030. Professional fund managers handle the rest, gradually shifting your funds from an aggressive stock-heavy portfolio early on to a conservative bond-heavy mix as you near retirement. Target dates have proven attractive enough to draw in a quarter of a trillion dollars in assets since Wells Fargo and Barclays Global Investors introduced them in 1994.
展开▼
机译：在过去的几十年中，成千上万的美国人已经承担了为自己的退休生活提供资金的责任，无论他们是否愿意。许多人都将目标日期基金作为一个完美的一站式答案。有了目标日期，您就可以填写打算退休的年份，例如2030年。专业的基金经理会处理剩下的部分，逐步将您的资金从庞大的库存中转移出来临近退休时，投资组合会提早以保守的债券为主。自富国银行（Wells Fargo）和巴克莱全球投资者（Barclays Global Investors）于1994年提出目标日期以来，目标日期已被证明足以吸引四分之一的资产。
展开▼
