{"id":502,"date":"2026-04-16T11:18:31","date_gmt":"2026-04-16T05:48:31","guid":{"rendered":"https:\/\/prodigypro.co.in\/blog\/?p=502"},"modified":"2026-04-16T11:18:33","modified_gmt":"2026-04-16T05:48:33","slug":"how-to-pick-the-right-target-date-funds","status":"publish","type":"post","link":"https:\/\/prodigypro.co.in\/blog\/how-to-pick-the-right-target-date-funds\/","title":{"rendered":"Target Date Funds: How to Pick the Right Target Date Fund?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/04\/Portfolio-Turnover-Explained-39-1024x576.webp\" alt=\"Target Date Funds\" class=\"wp-image-503\" srcset=\"https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/04\/Portfolio-Turnover-Explained-39-1024x576.webp 1024w, https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/04\/Portfolio-Turnover-Explained-39-300x169.webp 300w, https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/04\/Portfolio-Turnover-Explained-39-768x432.webp 768w, https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/04\/Portfolio-Turnover-Explained-39-1536x864.webp 1536w, https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/04\/Portfolio-Turnover-Explained-39-2048x1152.webp 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/prodigypro.co.in\/blog\/how-to-pick-the-right-target-date-funds\/#Target_Date_Funds\" >Target Date Funds<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/prodigypro.co.in\/blog\/how-to-pick-the-right-target-date-funds\/#Navigating_Target_Date_Funds_A_Comprehensive_Guide_to_Smart_Investment_Strategies_for_Retirement\" >Navigating Target Date Funds: A Comprehensive Guide to Smart Investment Strategies for Retirement<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/prodigypro.co.in\/blog\/how-to-pick-the-right-target-date-funds\/#Maximizing_Your_Retirement_Goals_Essential_Tips_for_Selecting_the_Right_Target_Date_Fund\" >Maximizing Your Retirement Goals: Essential Tips for Selecting the Right Target Date Fund<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/prodigypro.co.in\/blog\/how-to-pick-the-right-target-date-funds\/#Target_Date_Funds_Demystified_Understanding_Glide_Paths_Asset_Allocation_and_Risk_Tolerance\" >Target Date Funds Demystified: Understanding Glide Paths, Asset Allocation, and Risk Tolerance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/prodigypro.co.in\/blog\/how-to-pick-the-right-target-date-funds\/#Achieving_Financial_Goals_with_Target_Date_Funds_The_Importance_of_Diversification_and_Expense_Ratios\" >Achieving Financial Goals with Target Date Funds: The Importance of Diversification and Expense Ratios<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/prodigypro.co.in\/blog\/how-to-pick-the-right-target-date-funds\/#Aligning_Your_Investment_Mix_with_Retirement_Age_Strategies_for_Choosing_the_Best_Target_Date_Fund\" >Aligning Your Investment Mix with Retirement Age: Strategies for Choosing the Best Target Date Fund<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/prodigypro.co.in\/blog\/how-to-pick-the-right-target-date-funds\/#On_a_parting_note%E2%80%A6\" >On a parting note\u2026<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/prodigypro.co.in\/blog\/how-to-pick-the-right-target-date-funds\/#What_is_a_Target_Date_Fund\" >What is a Target Date Fund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/prodigypro.co.in\/blog\/how-to-pick-the-right-target-date-funds\/#How_do_I_select_one\" >How do I select one?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/prodigypro.co.in\/blog\/how-to-pick-the-right-target-date-funds\/#Whats_a_glide_path\" >What&#8217;s a glide path?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/prodigypro.co.in\/blog\/how-to-pick-the-right-target-date-funds\/#Why_monitor_fund_managerfees\" >Why monitor fund manager\/fees?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/prodigypro.co.in\/blog\/how-to-pick-the-right-target-date-funds\/#Should_I_set_and_forget\" >Should I set and forget?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Target_Date_Funds\"><\/span>Target Date Funds<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Good planning is essential for a comfortable retirement, and one of the easiest investment tools is the Target Date Fund (TDF). Consider it an automatic retirement savings plan that automatically shifts its investment mix closer to your retirement date.<\/p>\n\n\n\n<p>This guide will help you learn about TDFs and, more significantly, how to choose the one that best suits your circumstances and financial objectives. Thus, it will be easier for you to attend your much-awaited &#8220;retirement party.&#8221;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Navigating_Target_Date_Funds_A_Comprehensive_Guide_to_Smart_Investment_Strategies_for_Retirement\"><\/span>Navigating Target Date Funds: A Comprehensive Guide to Smart Investment Strategies for Retirement<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Suppose you are organizing a large party (retirement). You must save for it and decide where to invest that amount wisely for several years.<\/p>\n\n\n\n<p>Target Date Funds have a clever party organizer for your retirement fund. You inform it when you plan to retire (your &#8220;target date&#8221;), and it automatically adjusts your investments as you approach the party.<\/p>\n\n\n\n<p>Here&#8217;s the easy explanation:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Far from the party (younger): <\/strong>The planner (the fund) realizes you have plenty of time, so it invests more of your money in things that can grow a lot in the long term, even if they may have some ups and downs (such as stocks). This is similar to investing in ingredients that take time to ripen and can produce a big feast.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Moving closer to the party (mid-career): The planner begins to mix things up. It transfers some of that potentially riskier, high-growth money into steadier investments (such as bonds). This is similar to making sure you have the dependable essentials for your party.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Near the party (near retirement): <\/strong>The planner is extremely cautious. It is concerned with preserving savings and perhaps earning some income. The planner invests mostly in extremely stable things. This is similar to making the last, solid plans for your party so nothing goes wrong.\u00a0<\/li>\n<\/ul>\n\n\n\n<p><strong>Why is this a &#8220;clever investment strategy&#8221;?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Automatic Adjustments:<\/strong> You don&#8217;t need to always worry about making changes to your investments as you get older \u2013 the fund handles it for you.<\/li>\n\n\n\n<li><strong>Age-Appropriate Risk: <\/strong>It gambles more when you have a chance to recover from losses.<\/li>\n\n\n\n<li><strong>Diversification: <\/strong>The funds typically hold a combination of various stocks and bonds, so your money is diversified.<\/li>\n\n\n\n<li><strong>Simplicity: <\/strong>You simply choose a single fund by your retirement date, simplifying retirement investing.<\/li>\n<\/ul>\n\n\n\n<p>In short, Target Date Funds are an easy, one-stop method of saving for retirement that automatically changes your investments to be more growth-oriented when you are younger and more conservative when you are older. They promise to ensure you have a fully funded and secure &#8220;party&#8221; (retirement) when the time arrives.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Maximizing_Your_Retirement_Goals_Essential_Tips_for_Selecting_the_Right_Target_Date_Fund\"><\/span>Maximizing Your Retirement Goals: Essential Tips for Selecting the Right Target Date Fund<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Suppose that you are organizing a grand party for your retirement anniversary. A Target Date Fund (TDF) is similar to an advanced party plan that continuously adapts as the party draws near.<\/p>\n\n\n\n<p>Selecting a proper TDF is similar to selecting the proper party plan:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Understand your party date (retirement year): <\/strong>Choose a fund whose date is close to your retirement date.<\/li>\n\n\n\n<li><strong>Think about how crazy your younger parties are (risk tolerance):<\/strong> Some TDFs are bolder (more stocks) at younger ages. Others are less so.<\/li>\n\n\n\n<li><strong>Who is hosting the party (fund manager): <\/strong>These funds are handled by different firms, and their plans may have slight differences.<\/li>\n\n\n\n<li><strong>What is the party budget (fees): <\/strong>Some plans are slightly more expensive to run than others.<\/li>\n\n\n\n<li><strong>Don&#8217;t set and forget:<\/strong> Even with a plan, it&#8217;s a good idea to check in now and then to see if it continues to meet your needs.<\/li>\n<\/ul>\n\n\n\n<p>Simply, select a TDF whose retirement year matches yours, figure out how much risk it has early on, know who has it and is managing it, and check up on it occasionally.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Target_Date_Funds_Demystified_Understanding_Glide_Paths_Asset_Allocation_and_Risk_Tolerance\"><\/span>Target Date Funds Demystified: Understanding Glide Paths, Asset Allocation, and Risk Tolerance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Imagine a Target Date Fund as mapping out a road trip to retirement.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Glide Path:<\/strong> The route the fund is designed to follow over time. It begins with more &#8220;speedy&#8221; roads (stocks for growth) early on, when retirement is still in the distance and increasingly uses more &#8220;stable&#8221; roads (bonds for safety) as you near retirement.<\/li>\n\n\n\n<li><strong>Asset Allocation:<\/strong> It&#8217;s similar to choosing what types of cars you&#8217;ll drive on your journey. In the beginning, you will have more &#8220;sports cars&#8221; (stocks). Toward the end, you will have more &#8220;safe sedans&#8221; (bonds).<\/li>\n\n\n\n<li><strong>Risk Tolerance: <\/strong>This is how bumpy a ride you&#8217;re willing to have. If you&#8217;re okay with some ups and downs in the early years for potentially greater rewards later, you may select a fund that takes a slightly more aggressive path at the beginning.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Achieving_Financial_Goals_with_Target_Date_Funds_The_Importance_of_Diversification_and_Expense_Ratios\"><\/span>Achieving Financial Goals with Target Date Funds: The Importance of Diversification and Expense Ratios<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Picture your financial objectives as cultivating a garden for your future. Target Date Funds make it happen for you automatically.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Diversification:<\/strong> It is similar to sowing numerous types of seeds (various stocks and bonds). If one plant fails to grow, you have others to reap. TDFs diversify your money into various investments so that the risk of losing all if one sector fails is minimized.<\/li>\n\n\n\n<li><strong>Expense Ratios:<\/strong> This is similar to the cost of the water and tools you use for your garden annually. You want lower expense ratios, meaning you pay less for these &#8220;fees&#8221; so that more of your money has a chance to grow and make it to your goals. You&#8217;ll want to keep these expenses as minimal as possible so that more of your savings earn for you.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Aligning_Your_Investment_Mix_with_Retirement_Age_Strategies_for_Choosing_the_Best_Target_Date_Fund\"><\/span>Aligning Your Investment Mix with Retirement Age: Strategies for Choosing the Best Target Date Fund<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Imagine selecting the ideal Target Date Fund as you would select the ideal outfit for your retirement bash, depending on how soon it is.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Dress the Fund to Fit the Occasion (Retirement Date):<\/strong> The nearer you are to retirement, the more &#8220;comfortable and secure&#8221; (less risky) your investment attire (the fund&#8217;s portfolio) should be. If retirement is in the distant future, you can dress in something more &#8220;growth-focused&#8221; (more stocks).<\/li>\n\n\n\n<li><strong>Consider the Party Timeline: <\/strong>Funds with the same retirement year can have minutely different plans for moving their investments over time. Look at their &#8220;route map&#8221; (glide path) to determine if it matches your comfort level as you approach your party.<\/li>\n\n\n\n<li><strong>Consider Your Style (Comfort with Risk): <\/strong>Even among the same retirement year, some funds may be slightly bolder in their initial decisions than others. Choose one that is comfortable with the amount of ups and downs you can stomach along the path to your bash.<\/li>\n<\/ul>\n\n\n\n<p><strong>Also, Check &#8211; <a href=\"https:\/\/prodigypro.co.in\/blog\/what-is-gilt-fund\/\">What is Gilt Fund<\/a><\/strong><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"On_a_parting_note%E2%80%A6\"><\/span>On a parting note\u2026<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Essentially, Target Date Funds provide a convenient and effective means of dealing with the intricacies of long-term retirement investing. By automating key decisions regarding asset allocation and risk management according to your personal retirement timeline, they offer a &#8220;set-it-and-forget-it&#8221; strategy that can make your financial planning easier.&nbsp;<\/p>\n\n\n\n<p>Selecting the appropriate Target Date Fund, however, involves your risk tolerance, knowing the fund&#8217;s glide path and fees, and matching it to your particular retirement year. By considering these aspects, you can choose a TDF that serves as a suitable and responsive guide, maximizing your chances of a secure and adequately funded retirement. Remember to consider these dollars as long-term plans and look at their progress now and then to determine if they remain in line with your changing economic objectives.<\/p>\n\n\n\n<p>Please share your thoughts on this post by leaving a reply in the comments section. Contact us via phone,\u00a0<a href=\"http:\/\/wa.me\/917347700888\" target=\"_blank\" rel=\"noreferrer noopener\">WhatsApp<\/a>, or email to learn more about mutual funds, or visit our\u00a0<a href=\"https:\/\/bfccapital.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">website<\/a>. Alternatively, you can download the\u00a0<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.bfc_mf.prodigy_app&amp;pcampaignid=web_share\" target=\"_blank\" rel=\"noreferrer noopener\">Prodigy Pro<\/a>\u00a0app to start investing today!<\/p>\n\n\n<div ><style>#sp-ea-501 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 300ms;}#sp-ea-501.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-501.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #ffffff;}#sp-ea-501.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-501.sp-easy-accordion>.sp-ea-single {background: #7c8cff;}#sp-ea-501.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #444;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1776316579\"><div id=\"sp-ea-501\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\"><div class=\"ea-card ea-expand sp-ea-single\"><h3 class=\"ea-header\"><span class=\"ez-toc-section\" id=\"What_is_a_Target_Date_Fund\"><\/span><a class=\"collapsed\" id=\"ea-header-5010\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse5010\" aria-controls=\"collapse5010\" href=\"#\" aria-expanded=\"true\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-minus\"><\/i> What is a Target Date Fund?<\/a><span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"sp-collapse spcollapse collapsed show\" id=\"collapse5010\" data-parent=\"#sp-ea-501\" role=\"region\" aria-labelledby=\"ea-header-5010\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">It&#8217;s an automatically managed retirement fund that changes investments based on the year you expect to retire.<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><span class=\"ez-toc-section\" id=\"How_do_I_select_one\"><\/span><a class=\"collapsed\" id=\"ea-header-5011\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse5011\" aria-controls=\"collapse5011\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> How do I select one?<\/a><span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse5011\" data-parent=\"#sp-ea-501\" role=\"region\" aria-labelledby=\"ea-header-5011\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">Align the fund&#8217;s target date with your year of retirement and look at your risk tolerance.<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><span class=\"ez-toc-section\" id=\"Whats_a_glide_path\"><\/span><a class=\"collapsed\" id=\"ea-header-5012\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse5012\" aria-controls=\"collapse5012\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> What&#8217;s a glide path?<\/a><span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse5012\" data-parent=\"#sp-ea-501\" role=\"region\" aria-labelledby=\"ea-header-5012\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">\u00a0It&#8217;s the fund&#8217;s strategy for gradually increasing the percentage of conservative holdings over time.<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><span class=\"ez-toc-section\" id=\"Why_monitor_fund_managerfees\"><\/span><a class=\"collapsed\" id=\"ea-header-5013\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse5013\" aria-controls=\"collapse5013\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Why monitor fund manager\/fees?<\/a><span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse5013\" data-parent=\"#sp-ea-501\" role=\"region\" aria-labelledby=\"ea-header-5013\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">Various managers have different approaches, and higher charges cut down your total returns.<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><span class=\"ez-toc-section\" id=\"Should_I_set_and_forget\"><\/span><a class=\"collapsed\" id=\"ea-header-5014\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse5014\" aria-controls=\"collapse5014\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Should I set and forget?<\/a><span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse5014\" data-parent=\"#sp-ea-501\" role=\"region\" aria-labelledby=\"ea-header-5014\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">\u00a0No, it is a good idea to review your fund from time to time to make sure it is still appropriate for your objectives.<\/span><\/p><\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n<p><strong>Disclaimer: <\/strong>This article is for educational purposes only and does not intend to substitute expert guidance. Mutual fund investments are subject to market risks. Please read the scheme-related document carefully before investing.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Target Date Funds Good planning is essential for a comfortable retirement, and one of the easiest investment tools is the Target Date Fund (TDF). Consider it an..<\/p>\n","protected":false},"author":1,"featured_media":503,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[743,738,340,742,586,740,739,741,736,737],"class_list":["post-502","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-asset-allocation-strategy","tag-how-to-choose-target-date-fund","tag-long-term-investment-2","tag-mutual-funds-for-retirement","tag-retirement-planning","tag-target-date-fund-benefits","tag-target-date-fund-meaning","tag-target-date-fund-risks","tag-target-date-funds","tag-what-is-target-date-fund"],"_links":{"self":[{"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/posts\/502","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/comments?post=502"}],"version-history":[{"count":1,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/posts\/502\/revisions"}],"predecessor-version":[{"id":504,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/posts\/502\/revisions\/504"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/media\/503"}],"wp:attachment":[{"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/media?parent=502"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/categories?post=502"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/tags?post=502"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}