Use Target-Date Funds or Customize Your Portfolio? скачать в хорошем качестве

Use Target-Date Funds or Customize Your Portfolio?

📅 Book a 1-on-1 with Ryan: https://speakwithryan.com/ 📦 Grab your FREE Tax-Free Retirement Toolkit: https://toolkit.blackoakam.com/podcas... Target-date funds are one of the most common investments inside retirement plans, largely because they’re simple and automatic. But are they really the best option for your long-term portfolio? In this episode, Ryan explains how these funds work, why they’ve become so popular, and where they may fall short for investors who want a strategy tailored to their situation. Here’s what we discuss in this episode: 🎯 Target-Date Basics: Funds automatically adjust risk over time ⚠️ One-Size Limits: Age alone doesn’t define risk tolerance 🧩 Portfolio Customization: Personalized portfolios can better match goals 📊 Investment Transparency: Many investors don’t know what’s inside the fund 🤝 Advisor Guidance: Financial planning helps tailor investment decisions 0:00 – Intro 1:34 – Cons of Target Date Funds 6:12 – Potential Pros 8:42 – Customizing Your Investments _________________________________________ Schedule a call with Ryan: https://speakwithryan.com/ Visit us online: https://blackoakam.com/ Phone: (470) 508-0508 Get your tax-free retirement toolkit: https://toolkit.blackoakam.com/podcas... Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy. Results will vary. Past performance is no indication of future results or success. Market conditions change continuously. Roth IRAs and Roth 401(k)s are subject to eligibility and contribution limits. Contributions are made with after-tax dollars and qualified withdrawals may be tax-free if requirements are met. Roth conversions are taxable in the year converted and may impact your tax situation. Investing involves risk. Consult a qualified tax and financial professional before making any decisions. This commentary reflects the personal opinions, viewpoints and analyses of Black Oak Asset Management. It does not necessarily represent those of RFG Advisory, Private Client Services, their clients, or their employees. This commentary should not be regarded as a description of advisory services provided by Black Oak Asset Management or RFG Advisory, or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice. Guest opinions are their own and do not reflect those of Black Oak Asset Management, RFG Advisory, or Private Client Services. Guests are not affiliated with or endorsed by the firm. Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, a registered investment advisor. Private Client Services, Black Oak Asset Management, and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place.