# Are target date funds aggressive enough to give Americans retirement savings that last their lifetimes — retained record

> Retained news record from news:marketwatch.

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source: [news](https://highsignal.app/data/news) (news:marketwatch)  published 2026-08-07 20:04 ingested 2026-08-08 06:46

[original source ↗](https://www.marketwatch.com/story/are-target-date-funds-hurting-americans-as-they-live-longer-929f4f92?mod=mw_rss_topstories)

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Are target date funds aggressive enough to give Americans retirement savings that last their lifetimes
The popular default investments may need to be more aggressive in order to fund decades of retirement
As Americans live longer, are their investments keeping up with their lifespans?
There are currently a total of $10.1 trillion in assets in 401(k) plans, and 71% of plan participants are invested in target-date funds, according to 2026 data from the Investment Company Institute. Target-date funds are investments linked to a specific year, and they adjust from riskier to more conservative as an investor gets older. One key assumption for target-date funds is that an investor’s time horizon ends around age 60, at which point the portfolio shifts to a safer mix of stocks and bonds to preserve assets for retirement. However, that happens even as investors may still have decades left to live.
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document fetched 2026-08-09 06:58 · canonical https://marketwatch.com/story/are-target-date-funds-hurting-americans-as-they-live-longer-929f4f92?mod=mw_rss_topstories