"This may be the beginning of the long-awaited U.S. stock market crash, but even if it isn't those near retirement need to protect themselves from sequence-of-return risk that can ruin the rest of their lives. Only a few TDFs provide this protection, but they all should.... There's precedent for safety near retirement that was set at the June 2009 joint hearings of the SEC and DOL. But that was 16 years ago, so that is mostly forgotten -- until now. It's time to fix TDFs."  MORE >>