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The Retirement Fund That People Set, Forget and Regret

If you’re in a retirement plan, chances are good that some of your assets are in a target-date fund. Chances are even better that you’re hurting your returns.

The growth of target-date funds has been explosive. Two in every five 401(k) participants held target-date funds in 2012, double their share in 2006, according to the latest Investment Company Institute data. More than half of 20-somethings with 401(k)s own them.