{"id":57679,"date":"2026-01-21T17:01:31","date_gmt":"2026-01-21T17:01:31","guid":{"rendered":"https:\/\/prosfunds.com\/?p=57679"},"modified":"2026-01-21T17:01:32","modified_gmt":"2026-01-21T17:01:32","slug":"theory-versus-practice-in-target-date-funds-and-life-paths","status":"publish","type":"post","link":"https:\/\/prosfunds.com\/?p=57679","title":{"rendered":"Theory Versus Practice In Target Date Funds And Life Paths"},"content":{"rendered":"<div data-test-id=\"author-root\">\n<p class=\"mb-12 text-medium-2-r text-share-text-3\">This article was written by<\/p>\n<div class=\"relative mb-12 flex justify-between\">\n<div class=\"flex\">\n<div class=\"flex shrink-0 items-center justify-center relative size-36 rounded-full\" data-test-id=\"user-pic-wrapper\"><\/div>\n<\/div>\n<p><button data-state-text=\"Following\" aria-label=\"Follow Ronald Surz\" class=\"ihjjQ py-8 px-18 o7ZP8 ml-8 mt-0 shrink-0 self-baseline text-small-b relative inline-flex cursor-pointer select-none items-center whitespace-nowrap break-words transition-colors hover:no-underline motion-reduce:transition-none border-black bg-black text-white hover:bg-black-70 disabled:border-transparent disabled:bg-black-20 dark:border-black-10 dark:bg-black-10 dark:text-black dark:hover:border-black-30 dark:hover:bg-black-30 dark:disabled:bg-black-30 w-auto min-h-28 justify-center border px-12 py-1 text-medium-r rounded-6\" data-test-id=\"follow-button\" type=\"button\"><span class=\"\"><span aria-hidden=\"true\" class=\"wMAFB relative flex justify-center\" data-state-placeholder=\"Following\"><span class=\"absolute\">Follow<\/span><\/span><\/span><\/button><\/p>\n<\/div>\n<div class=\"text-medium-2-r\">\n<div class=\"relative\">\n<div class=\"relative overflow-hidden\" style=\"max-height:100%\">\n<div>\n<p>I&#8217;ve released my new book: Fixing Target Date Funds.  I&#8217;m president of Target Date Solutions, developer of the patented Safe Landing Glide Path, Soteria personalized target date accounts, and Age Sage do-it-yourself investing. I;m also co-host of the Baby Boomer Investing Show. My passion is helping his fellow baby boomers at this critical time in their lives when they are relying on their lifetime savings to support a retirement with dignity, so he wrote a book  Baby Boomer Investing in the Perilous 2020s  and he provides a financial educational curriculum.I&#8217;m author of 3 books: Baby Boomer investing in the Perilous Decade of the 2020s, &amp; 2 books on target date funds I\u2019m smart with 2 Masters degrees and 55 years in financial consulting. I\u2019m semi-retired, and prefer helping my fellow baby boomers rather than playing golf. I\u2019m worried that our country, &amp; most others, is playing with fire in its money printing. I\u2019m here to help \u2013 that\u2019s my legacy space.I help investors deal with life\u2019s investment challenges, with the objective of enjoying a comfortable long retirement. I\u2019m passionate about questioning and improving upon entrenched stale practices like jamming everyone into cookie cutter model portfolios. Please visit our SA Blog here.As president of Age Sage Robo, and CEO of GlidePath Wealth Management, I\u2019m responsible for model development using my patented process.I have more than 50 years of financial service experience and hold a U.S. Patent for a time-tested glide path investment process that helps investors navigate the complicated financial decisions they face as they accumulate and preserve assets for their retirement years. Age Sage &amp; GlidePath use this process to build Target Date, Special Purpose, and Life Span Portfolios that are tailored to the specific requirements of clients.My extensive financial career began at A.G. Becker Pension Consultants where I advised on the investment policies of several trillion dollars of retirement plan assets. After Becker I started my own consulting firms that developed innovative services for investors and the financial advisors who serve them.I\u2019ve earned a BS and MS in Applied Mathematics from the University of Illinois and an MBA in Finance from the University of Chicago. I am author of the book &#8220;The Remarkable Metamorphosis of Target Date Funds&#8221; and co-author of &#8220;The Fiduciary Handbook for Understanding and Selecting Target Date Funds&#8221;.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div data-test-id=\"content-container\">\n<p id=\"a-disclosure\"><b>Analyst\u2019s Disclosure: <\/b><span>I\/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours.<\/span><span id=\"top-business-disclosure\">  I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it. I have no business relationship with any company whose stock is mentioned in this article.<\/span><\/p>\n<p id=\"a-disclosure-more\"><strong>Seeking Alpha&#8217;s Disclosure:<\/strong> Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.<\/p>\n<\/div>\n<p>Read the full article <a href=\"https:\/\/seekingalpha.com\/article\/4861534-theory-versus-practice-in-target-date-funds-and-life-paths?source=feed_all_articles\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>This article was written by Follow I&#8217;ve released my new book: Fixing Target Date Funds. I&#8217;m president of Target Date Solutions, developer of the patented Safe Landing Glide Path, Soteria personalized target date accounts, and Age Sage do-it-yourself investing. I;m also co-host of the Baby Boomer Investing Show. My passion is helping his fellow baby [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":57680,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[38],"tags":[],"class_list":{"0":"post-57679","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Theory Versus Practice In Target Date Funds And Life Paths | Prosfunds<\/title>\n<meta name=\"description\" content=\"This article was written byFollowI&#039;ve released my new book: Fixing Target Date Funds. 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