You may remember little else about the 1989 film "Field of Dreams," but odds are you have invoked a version of what is likely its most famous quote, "If you build it, they will come."
Unfortunately, for many, building retirement savings is more complicated than constructing a baseball diamond in the middle of an Iowa cornfield. Most experts will tell you that the most important decision in retirement saving is deciding how much to save, not how those savings will be invested and yet, for years, much of the education and discussion about retirement saving has been focused on investing.
Enter the target-date fund (TDF), a type of investment fund apportioned according to what investment professionals deem to be an appropriate age-based blend of stocks, bonds and other asset classes for an individual within a particular target-date of his or her retirement.
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