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Jill on Money with Jill Schlesinger

Should I Ditch the Target Date Fund?

Jill on Money with Jill Schlesinger

Audacy

Investing, Education, Business, Self-improvement

4.61.9K Ratings

🗓️ 28 August 2025

⏱️ 14 minutes

🧾️ Download transcript

Summary

Is it a good move to ditch my target date fund and instead invest a bit more aggressively?

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Transcript

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0:00.0

Welcome to the Jill on Money Show. It's Thursday, August 28th, and it is the end of August. You probably are looking ahead to what happens in September, October, November, December, the end of the year. The last four months, there's so many things to take care of. I know. But don't forget to put your needs up at the top of that

0:21.9

list. Is there something going on in your financial life that you need some help with? Maybe a little

0:27.5

coaching or mentoring on what to do with a particular situation. If that rings a bell,

0:32.8

it's something that you think could be helpful for you. Get in touch with us. Go to our website,

0:37.4

Jillonmoney.com,

0:38.8

click the contact us button, write us a note. And if you'd like to join us live, just check the box mark. We'll do everything else. While you're on the website, don't forget, we've got all sorts of great stuff that lives there. All of our content is there. We've got the free weekly newsletter, which comes out on Fridays. We've

0:54.6

got resources. There's also a link to my books, including the most recent one called the Great

0:59.5

Money Reset. That's a great way for you to think about making big changes in your life without

1:04.5

blowing up your finances. So you can check that out. Right now, let's talk to Matthew. He joins us

1:10.4

from the Mid-Atlantic.

1:11.6

Hello, Jill. Thank you for having me on. Of course. What's going on? How can we help you out today?

1:17.2

Okay. I currently have a target date fund inside my 401k. And I was considering maybe getting

1:25.9

rid of that and be a little bit more aggressive in my

1:28.7

investments.

1:30.2

Okay.

1:30.7

That's cool.

1:32.0

You're going to tell us a little bit about yourself before we get into the investment

1:35.9

part.

1:36.3

So how old are you, Matthew?

1:38.0

I'm 58 years old.

1:39.7

And are you single, married partner?

1:42.7

Single.

...

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