🧱
Bonds as ballast
VS
🎯
Target-date funds
Profile
Score by score
60
Time sensitivity
80
82
Rate sensitivity
70
35
Contribution leverage
75
40
Behaviour risk
35
50
Tax & fee drag
70
75
Horizon fit
88
Verdict
Target-date funds leads 4 of 6 scores.
Reviewed 2026-08