Target Date vs. Risk-Based vs. DIY: What’s Best for Your 401(k)?

Understand target date funds, risk tolerance, and DIY options—so your 401(k) matches your goals.

Choosing how to invest your 401(k) doesn’t have to be confusing. In this short video, we compare three common paths and show you how to match your strategy to your timeline and comfort with risk.

Discover:

• Target date funds: the default, “set it and forget it” choice that automatically shifts from stocks to bonds as you near retirement age.
• Risk‑based portfolios: build around your personal risk tolerance (conservative to aggressive), not just a target year.
• DIY 401(k) investing: use the funds inside your plan to create a diversified mix—plus the constraints to know before you start.
• Volatility reality check: why being okay with a 5% dip vs. a 20% dip should influence your allocation.
• When to get help: how an advisor can coordinate your 401(k) with your other accounts and goals.

Ready to align your 401(k) with the way you want to invest? Watch now and choose the approach that fits you best.

📞 Schedule a Call With a Bayntree Financial Advisor to Discuss your 401k or Other Financial Goals

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