"[1] There is no fiduciary upside to taking risk at the target date. Only downside. Class action lawsuits are expected when the next 2008 occurs.... [2] There is a 'risk zone' spanning the 5 years preceding and following retirement during which lifestyles are at stake. Account balances are at their highest and a participant's ability to work longer &/or save more is very limited.... [3] Most participants withdraw their accounts at the target date, so 'target death' (i.e. 'Through') funds are absurd, and built for profit."  MORE >>