If you’re approaching retirement or have already stopped working, it may have occurred to you that saving for retirement was the easy part.
Most likely, you had contributions to a 401(k) or other employer-provided retirement savings account automatically deducted from your paycheck. Target-date funds, which automatically adjust your investments as you approach retirement, have taken the guesswork (and hopefully the stress) out of investing those contributions. For investments outside of your workplace plan, many brokerage firms have harnessed digital tools to provide low-cost investment advice. (We've evaluated the online services that many major brokers provide.)
