Browsing Tag
Ron Surz
82 posts
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
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
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.”
What Q1 Stock Setback Means to TDF Investors—Imprudence that was Hiding Until Now
Ron Surz says most target date funds are not diversified, but undiversified concentration in US stocks and bonds was helping until now. Diversified glidepaths perform best in Q1
The Yin and Yang of Personalized 401(k) Investments
Ron Surz says personalized products are not all the same. Personalization requires interaction
Truly Managed Accounts are Not QDIAs: Opinion
When is a managed account not managed? When it’s a QDIA,” says Ron Surz