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The Short Answer

What Are Target-Date Funds?

Investors in target-date funds can set up a diversified portfolio and maintain a sensible asset allocation for decades without breaking a sweat.

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A version of this article originally published in May 2017.

There are so many options on a retirement savings plan menu, it's hard to know what to choose. But selecting good investments is only one part: Investors should also pay attention to overall portfolio diversification and not take on too much risk by being too heavily concentrated in any one area.

Karen Wallace does not own shares in any of the securities mentioned above. Find out about Morningstar’s editorial policies.