[Verse 1] When you're young and just starting out Your retirement seems so far Target-date funds take away the doubt They'll guide you like a shining star Pick the year you plan to retire Fund does all the work for you Starts aggressive when time's not dire Ninety percent stocks to help you grew [Chorus] Glide path down, glide path down As the years go rolling by Stocks decrease, bonds increase Target-date will modify Time horizon, risk precision Asset allocation's key Glide path down to safer ground That's how retirement should be [Verse 2] In your thirties, still decades away Eighty-five percent in equity Growth potential leads the way Market volatility's no worry But as you hit your forties now The glide path starts to shift around Seventy percent stocks somehow Bonds are gaining safer ground [Chorus] Glide path down, glide path down As the years go rolling by Stocks decrease, bonds increase Target-date will modify Time horizon, risk precision Asset allocation's key Glide path down to safer ground That's how retirement should be [Bridge] Fifties bring more bonds your way Sixty-forty split takes hold Sixties mean your target's near Fifty-fifty, less risk to bear Retirement day, the glide continues Thirty stocks and seventy fixed Protection mode but growth continues Conservative but still well-mixed [Verse 3] Pension plans love target-dates Employees need not choose their mix Automatic escalates No rebalancing they need to fix Default option that makes sense Age-appropriate from the start Reduces cognitive expense Professional management's art [Final Chorus] Glide path down, glide path down As the years go rolling by Stocks decrease, bonds increase Target-date will modify Set and forget, no regret Target-date funds pave the way Glide path down to safer ground For your golden retirement day [Outro] Target-date funds, glide path down Your retirement safe and sound
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