Jean-Pierre Aubry
speaker
560 appearances
1 recordings
1 series
first heard Jul 2026
last heard 23 Jul
Jean-Pierre Aubry’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 1 in all, peaking in Jul 2026 with 1.
Appearances
TDF is still through a lot in the space as the investment vehicle of choice, even without auto-enrollment.
But with auto-enrollment coming in, they're going to, I think, take over the retirement space.
So what a TDF is, what that stands for, that acronym is Target Date Funds.
And essentially what it does is it changes the asset allocation over time automatically for the investor.
So you just put your money in the fund.
It starts off at a high stock allocation generally for younger ages.
And as you age, it will decrease your allocation towards stocks and put it more towards bonds.
The idea being as you get closer to retirement, you want to take less risk on your pile.
You want to know what's going to be there.
You don't have the long horizon to kind of make up any losses, et cetera.
There's a lot of actually like very deep and thoughtful theory behind it, economist and financial, economic and financial theory, but essentially it's what it's doing and that's why.
Usually they start off at really high, like 60 or 70%.
When you're young, you're higher than that, going down to around 40 by the time you're 60.
Generally, I think it's a net positive overall.
The fact that most individuals are wary of stocks for reasons that aren't reflected in the historical data.
The fact that both TDFs and advisors seem to nudge people towards more exposure is a good thing.
It's going to grow the pile for individuals over time.
There's really no way to save for a time without taking some exposure to stocks.
You can't invest in bonds.
No one has enough money in their back pocket.
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