 Because they pick these dates that people get lulled into thinking I'm protected and it'll work out perfectly if I retire in 2032 or whatever it is. Well, it seems so clean when you look at the number. You say, okay, I'm going to retire in 2020. I just use that as an example. I'm going to retire in 2020, so I'll buy the target date fund for 2020. It should be smooth sailing. The problem is, though, there's still risk to the investments inside of that target date fund, even if it's supposed to be more conservative as you get closer to your retirement date.