Workplace retirement plan investors who use target-date funds feel more secure about reaching their goals and managing their portfolios than those who did not, a recent study from ING finds. Nearly three-quarters of target-date investors indicate that these funds made them feel more confident that they were making the appropriate investment decisions.

Rick Unser, ERISA risk management consultant for Lockton, says that the real appeal of target-date funds is that based on your age, the fund has a different allocation toward risks at various intervals.

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