Philip Chao’s New Book: From Save to Safe is available now! Learn more.

Rebuttal to Great Gray Article on Personalization

What Advisors Need to Know About Personalized Target Date Funds https://www.napa-net.org/news/2026/5/what-advisors-need-to-know-about-personalized-target-date-funds/ Philip Chao Founder and CIO Nexus338 Creator of iGPS, a personalized target date solution for defined...
TDFs Are the Superior Choice for Most

TDFs Are the Superior Choice for Most

Target date funds (TDFs) have become a popular choice for the average investor, especially within employer-sponsored retirement plans, due to several advantages over managed accounts. Here’s a brief explanation of why TDFs are often considered a superior choice...
Why Personalizing Glidepaths Matters to You

Why Personalizing Glidepaths Matters to You

Asset allocation glidepaths, or lifetime risk allocations, are a fundamental component of target date investing. They serve as the strategic blueprint that dictates how a fund’s asset allocation changes over time. Typically, a glidepath starts with a higher...
Target Date Fund Leapfrogging

Target Date Fund Leapfrogging

Target date funds (TDFs) as qualified default investment alternatives (QDIAs) have significantly shaped retirement investing. As of June 2024, target-date assets total a staggering $3.8 trillion. TDFs popularity stems from their simplicity, low cost, and investment...