"Target date funds use plan participant inertia (the tendency of participants to set-it and forget-it) in a positive way.... The opposite is true with target-risk funds. Participants have to identify the various points in their lives when their risk tolerance changes and choose to move to a lower risk fund.... Participants take on more risk than they should.... Participants learn they are in the wrong fund at the wrong time.... Participants become dissatisfied with the plan.... Participants need a significant amount of education to understand their ability to bear risk and the risk profiles of the target-risk funds available."  MORE >>