Updated 2026-03-18

Index Funds vs Target-Date Funds: Which Is Better for 401(k)?

Head-to-head comparison of index funds and target-date funds in your 401(k). Fee impact calculator, three-fund portfolio, and when to choose each approach.

What You Will Learn

This guide covers everything you need to know about index funds vs target-date funds: which is better for 401(k)?. We break down the rules, compare your options, and provide tools to help you make informed decisions about your retirement savings.

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Pavlo Pyskunov

Pavlo Pyskunov

Managing Director & Investment Fund Director

Pavlo Pyskunov analyzes employer-sponsored retirement plans using IRS publications and DOL Form 5500 filings, helping workers maximize their 401(k) savings through data-driven guidance.

Last updated: 2026-03-18

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