What is a target-date fund?

InvestingWarren TeamPublished April 25, 2026

Quick answer

A target-date fund is a single fund (e.g., "Target Retirement 2055") that holds a diversified mix of stocks, bonds, and cash, automatically shifting toward more bonds as the target year approaches.

Target date fund glide path: aggressive young, conservative near retirement.

The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions. Read our disclaimers.

All questions

Get an answer built on your own numbers

Warren reads your accounts, then answers questions like this one with your real income, taxes and goals in mind.

Try Warren Free See a demo