Are target-date funds hurting Americans as they live longer?
THE SO WHAT
If default target-date glide paths are too conservative for longer lifespans, the retirement "autopilot" many employees rely on may be structurally underfunding their later years. Employers and fintechs building benefits products have an opening — and a risk — to revisit defaults, education, and personalized allocation rather than assuming the 60/40-at-65 playbook still works.
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