[Verse 1] Sarah's twenty-five, fresh out of college doors Signs up for her 401k, target-date 2065 The fund manager crafts a recipe bold Eighty percent stocks when you're young and cold Twenty percent bonds for a steady base Time horizon stretches, risk finds its place [Chorus] Glide path sliding down the years More stocks when retirement's nowhere near Glide path shifting, portfolio steers Fewer risks when your golden years appear Target-date magic, set and forget The closer you climb, the safer you get [Verse 2] Decade flies by, now she's thirty-five The fund rebalances, keeps dreams alive Seventy-five stocks, twenty-five bonds tight Automatic adjustments throughout the night No trading needed, no timing the bell The glide path knows her retirement well [Chorus] Glide path sliding down the years More stocks when retirement's nowhere near Glide path shifting, portfolio steers Fewer risks when your golden years appear Target-date magic, set and forget The closer you climb, the safer you get [Bridge] Fifty arrives with a different mix Sixty stocks, forty bonds, the formula clicks Capital preservation starts to matter more Growth still important, but not like before By sixty-five the split reverses clean Forty stocks, sixty bonds, retirement scene [Verse 3] Pension committees love this simple tool One decision covers each investment rule Participants pick their retirement year The fund does the rest, crystal clear From aggressive youth to conservative age Target-date funds turn the market page [Chorus] Glide path sliding down the years More stocks when retirement's nowhere near Glide path shifting, portfolio steers Fewer risks when your golden years appear Target-date magic, set and forget The closer you climb, the safer you get [Outro] Autopilot wisdom, time-tested and true The glide path guides what your portfolio'll do
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