Target-date funds are probably better than defaulting to a money market fund or throwing darts to pick your 401(k) options. But like any heavily hyped investment, these things are flawed. Extremely flawed. Let me count the ways:
More workers now have access to professional retirement planning advice through their employers' 401(k) providers, but three-quarters of them aren't taking it. Here's a guide to making the best use of that free, unbiased advice and tips on what to ask the financial planners.