🏦
Cash & high-yield savings
VS
🎯
Target-date funds
Profile
Score by score
40
Time sensitivity
80
70
Rate sensitivity
70
55
Contribution leverage
75
25
Behaviour risk
35
30
Tax & fee drag
70
45
Horizon fit
88
Verdict
Target-date funds leads 5 of 6 scores.
Reviewed 2026-08
Cash & high-yield savings → Target-date funds → All match-ups