I think what you're asking for is fundamentally against the basic principles of investment markets. You're asking for the long term returns on any given short

I think what you're asking for is fundamentally against the basic principles of investment markets. You're asking for the long term returns on any given short term period. That's just not how investment works. You get the best gains by staying in it for a long time. You can't get that nice long-term average without bearing the risk yourself. Who is going to bear the risk for free? Remember that stocks are investments in actual companies that take months and years to turn inputs into outputs. If I give Boeing a billion dollars I don't just come pick up my new plane prototype tomorrow. Imagine giving venture money to a startup company like Slack and then demanding monthly repayment at the S&P 500 long term average from day one. Wouldn't my money be better used funding Slack's expansion rather than going back to my pocket and stunting growth? That's why you can't get good guaranteed returns, because money has to be put to use transforming inputs to outputs over time. > People close to retirement in those funds are going to be delaying retirement just like everyone else. Only if they have a short-term view of their money or their savings rate wasn't high enough in the first place. Don't forget that the fund you linked me had a 16.87% increase in 2020 and a 11.50% increase in 2020. Plus, your target date is 2 years from now. Your original comment wished for the government to step in and make a fund like this. That already happened in the form of social security and medicare. Both are funded by contributions made during working years, effectively a savings account. If you're wishing for a better rate of return, well, sorry, see my first point. Social Security and Medicare are structured as guaranteed annuities. Being alive means you get them.