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December 21st, 2025

Why Target Date Funds could devastate Retirees

"If you’re in a target date fund, you will probably lose your ass in the next market crash. And that’s enough to want to do something about it. But the truth is, Ron, do people even know? They don’t. They don’t. And how are they going to find out? Well, we’re telling them. It’s this one voice. So we need to get a lot of people to spread the word. But in 2008, people who were about to retire lost 30% of their savings. 30%." — Ron Surz

Are you relying on a target-date fund for your Retirement? You might be taking on more risk than you realize. In this video, we discuss the potential dangers of these popular investment vehicles and why they could be devastating for retirees in the event of a market crash.

We look back at the 2008 financial crisis, when many individuals about to retire lost 30% of their savings despite being in these supposedly "safer" funds. Don’t let your hard-earned savings be at risk—learn why it’s crucial to understand the vulnerabilities of target-date funds before the next market downturn.

In this video, you’ll learn:

The risk of target-date funds in a market crash.

What happened to retirees in 2008 who were invested in these funds.

Why more people need to be aware of these financial risks.

Stay ahead of the curve and protect your retirement future!

Ronald Surz Professional Investment Manager