"Most experts will tell you that the most important decision in retirement saving is deciding how much to save, not how those savings will be invested -- and yet, for years, much of the education and discussion about retirement saving has been focused on investing.... [T]arget-date funds, as well as their older counterparts, the lifecycle (risk-based) and balanced fund(s), have become fixtures on the defined contribution investment menu. For a large and growing number of individuals, these 'all-in-one' target-date funds, monitored by plan fiduciaries and those that guide them, are likely to be an important aspect of building their retirement future."

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