“You can save as much as possible in your retirement plan, but you can easily get derailed by how you invest.” Today’s article questions the traditional 60/40 stock-bond mix, emphasizing that “what counts in retirement planning is pre-retirement income replacement.” The author cites a recent study indicating that the best approach in this regard may be a “life cycle” strategy of investing in target-date funds (TDFs), where “you’d have a slightly more than 30% chance of replacing from 75% to 95% of your retirement income.” How does that compare to a 60/40 mix and why might TDFs be the way to go? CLICK HERE to read more. to find out which stocks have the distinction.