{
  "id": 3486633,
  "title": "Nearly $4.9T sits in target-date funds — Suze Orman warns you may be ‘far better off’ on your own. Diversify your mix",
  "url": "https://urgent.news/2026/08/26/nearly-4-9t-sits-in-target-date-funds-suze-orman-warns-you-may-be-far",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-08-26T10:15:00.000Z",
  "source": {
    "name": "Yahoo Finance",
    "slug": "yahoo-finance",
    "url": "https://finance.yahoo.com/markets/articles/nearly-4-9t-sits-target-101500674.html"
  },
  "original_language": "en",
  "account": "Nearly $4.9 trillion is held in target-date funds in the United States, according to financial expert Suze Orman. She warns that relying on these funds may not be the best strategy for retirement. Target-date funds automatically adjust the mix of stocks and bonds as you age, but Orman believes a more tailored approach could yield better results. A hypothetical $100,000 portfolio with equal parts stocks and bonds would grow to $112,000, while a portfolio with 80% stocks would reach $116,800. This difference of $4,800 showcases the potential benefit of a more aggressive stock allocation. Orman also advises against bonds, citing the danger of rising interest rates lowering their value. She suggests diversifying the portfolio by adding assets like gold. Gold has shown strong performance in recent years, nearly tripling in value in 2025. A portfolio combining stocks, bonds, and gold could help mitigate overall losses. Orman recommends considering a tax-advantaged Gold IRA, which allows investment in physical gold and other precious metals. Goldco offers guidance on setting up a Gold IRA and provides options for purchasing eligible gold and silver. While private markets can offer additional diversification, they come with higher fees and potential liquidity issues. Wealthfront Cash Accounts offer competitive interest rates and easy access to funds, which can be used to supplement a diversified retirement portfolio.",
  "summary": null,
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}