[MUSIC PLAYING] Target date fund changes over time. It takes into account when I would retire, and starts phasing out of the more risky investments towards a more balanced or more conservative approach so that I have more stability at the time that I might retire. So before-- well, if I even bothered-- it was me going out trying to figure out which fund or mutual fund to invest in, and then having to go out online, make those choices, make those changes, watch everything that's going on, and trying to figure out for myself what I need to do. 

And instead of that, a target date fund will allow me to let a professional do that for me. Investing in a target date fund is like what I've done for myself. I've lost 150 pounds, I gained 40 of it back, and realized I wasn't the one that was able to do this all on my own. I needed some experts to help me. So I've hired a nutritionist and a personal trainer to help me get back on track. And so that's what you do when you use a target date fund. It helps you stay on track without you having to do all of the work. 

This material has been prepared for informational and educational purposes only. It is not intended to provide and should not be relied upon for investment, accounting, legal, or tax advice. JP Morgan Asset Management is the marketing name for the asset management businesses of JPMorgan Chase and company and its affiliates worldwide.