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TDF Investors Are Not 'Set-It-and-Forget-It' Rotisserie Ovens
Vanguard 
Jan. 6, 2016
"The majority of TDF investors have a healthy understanding of the basic features and objectives of target-date funds. Most TDF investors appreciate that target-date investing comes with investment risk and that the overall level of risk of a TDF automatically declines as investors approach and enter retirement. The preponderance of TDF holders plan to withdraw funds from their TDFs and other tax-deferred assets at a gradual pace in retirement. Far fewer investors anticipate taking large withdrawals to purchase an annuity or otherwise disinvest from the markets all together."
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