We gotta start seizing the means somehow . <| sep |> brought to you by concerned dads all over the country <| sep |> Nice bubble butt <| sep |> It ' s significantly less than an entire percent . I ' m sorry you ' ve got to go through this but this is not remotely common . The benefits vastly outweigh the risks . <| sep |> Really ? Has that been a thing ? <| sep |> Because it ' s not taking into account the suitability of the underlying investments to the individual . There ' s plenty of people who lost a lot of money in 2008 when their 2010 target date funds were a little bit more aggressive than they expected common wisdom is to go into a safer investment as retirement approaches , no ? Why were these funds still invested in equities . I ' m not saying they ' re the worst product in the world , I ' m just saying that there are probably more suitable investments for the individual instead of a target date fund .