5 Questions to Ask About Your Target-Date Fund

Most professional retirement planners scoff at the idea that you can put your future in the hands of a fund manager for this.

1. They have no control over the markets that have failed millions of people not once, but twice in the last decade. The fund managers' choices mirror the market's performance most of the time.

2. Fund managers are not Pension Fund managers. There is a massive difference between the two perspectives.

3. Fund mangers do not have a fiduciary obligation to produce retirement income. If they lose a bunch of your retirement money it's, "Oh well, the market hurt everybody." Just watch this video if you don't believe that is what they believe: http://www.retiredsafely.com/index.php?p=1_38_60-Minutes-401-k-Fallout

4. There is a way that you can make your own personal pension plan - a permanent guaranteed income that you can never outlive. There is a free report available authored by Wharton economist David Babbel here:

http://www.retiredsafely.com/index.php?p=1_23_Requesting-Babbel-Report

Your retirement is not a game and it is not some cliche with some cool 60s background music. It is serious business and you should treat it like that. Your financial future depends on it: http://www.retiredsafely.com/index.php?p=1_25_Grow

Randy McKee of SD 10:45AM May 14, 2010