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surz
56 posts
Surz: Baby Boomers in TDFs Need to Get Out – NOW
Vanguard’s risk and return expectations for the next decade favor the safety of bonds over the potential growth in stocks
Surz Releases Book Championing Better, Safer TDFs
“Fixing Target Date Funds” makes his case for why they are broken by exposing near retirees with far too much risk at their target dates
90% Outperformed Warren Buffett in His Last Year. So What?
While others were shifting out of US stocks and into gold and foreign stocks in 2025, Buffett was moving to an unprecedented cash position—a defensive stance Ron Surz says may yet prove prescient
Gold Glitters as a Hedge Against a Stock Market Crash
Ron Surz says Baby Boomers should not risk their savings at this critical time in their lives
American Century Participant Survey Reveals Looming Disappointment in Target Date Funds
Ron Surz says participants want—and need—TDFs that aren’t risky near the target date
The Mistake of Firing Prudence
Ron Surz says that TDF prudence is not the status quo, but should be
Success of the U-shaped TDF Glidepath
Ron Surz heralds the success of the U-shaped target date fund glidepath
Two Reasons Target Date Funds Should be Safer
Ron Surz lays out his case for why Baby Boomers in TDFs need to move to safety now
Managed Account QDIAs are Based Upon Risk Capacity Data — No Communication Whatsoever
Ron Surz says that to actually manage, you need to know risk tolerance, which requires communication because tolerance is emotional
Risk Capacity Used in PTDAs is Much More Dangerous Than Risk Tolerance
Ron Surz says Personalized Target Date Accounts providers are taking excessive risk because they confuse risk capacity with risk tolerance