Ron Surz is president of PPCA Inc and its DBA Target Date Solutions (TDS), co-host of the Baby Boomer Investing Show (BBIS), creator of Soteria SaaS, and author of the books “Fixing Target Date Funds” and "Baby Boomer Investing in the Perilous Decade of the 2020s." TDS licenses target-date fund usage of Ron’s patented Safe Landing Glide Path® (SLGP) that actually protects beneficiaries as they approach retirement. Individual investors can follow the SLGP at Age Sage, an educational interactive website. The BBIS educates Baby Boomers on the risks and rewards in contemporary investing.
Ron can be reached at Ron@TargetDateSolutions.com.
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
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
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
Benchmarking Personalized Target Date Accounts
Ron Surz provides a template for benchmarking PTDAs, removing an excuse for not providing them
When ‘Risk On’ Fades, TDFs Face the Prudence Test. Baby Boomers Beware.
Ron Surz says that when the next crash happens, “Risk Off” target date funds will demonstrate the importance of prudence. Unfortunately, he says most participants in TDFs will suffer the consequences of “Risk On.”