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‘,panelEmptyTemplate=’

{emptyPanelMsg}

‘,panelErrorTemplate=’

{errorMsg}

‘,panelParentTemplate=”,notifOnboardPromoTemplate=”,EXPANDED_PANEL=”expanded_panel”,ERROR_PANEL=”error_panel”,NotificationView=function(){function e(n,t){classCallCheck(this,e);var i=this;i._config=n,i._panelNode=null,i._store=t}return createClass(e,[{key:”_generatePanelMarkup”,value:function(e,n){var t=this._config,i=void 0,o=void 0;”undefined”!=typeof window&&(i=window.Notification&&”default”===window.Notification.permission,o=t.promos.bypassEligibleClassCheck||hasClass(document.body,t.promos.eligibleBodyClass));var r=t.promos.enableNotifOnboard&&i&&o?notifOnboardPromoTemplate:””;if(r){var s=t.promos.showYahooLogo?””:”yns-no-logo”;r=r.replace(“{notifOnboardBtnLabel}”,t.promos.notifOnboardBtnLabel).replace(“{notifOnboardMsg}”,t.promos.notifOnboardMsg).replace(“{subscriptionTopic}”,t.promos.subscriptionTopic).replace(“{noLogoClass}”,s).replace(“{promoLogo}”,t.promos.promoLogo)}var a=n.newCount>t.panel.maxCount?n.newCount:””,c=t.panel.notificationCenterPath,l=c?””:constants.panelHideElement,d=t.panel.headerMsg?””:” “+constants.panelHideElement,u=c?constants.panelPaddingBtm:””,p=void 0;n.count?p=n.markup:p=panelEmptyTemplate.replace(“{emptyPanelMsg}”,t.panel.emptyPanelMsg);return e=e.replace(“{notifMarkup}”,p).replace(“{promoMarkup}”,r).replace(“{hideClass}”,l).replace(“{notifCenterLink}”,c).replace(“{paddingClass}”,u).replace(“{headerMsg}”,t.panel.headerMsg).replace(“{hideHeaderClass}”,d).replace(/{notificationCenterNavMsg}/g,t.panel.notificationCenterNavMsg).replace(/{newCount}/g,a)}},{key:”render”,value:function(e,n){var t=this;if(t._panelNode){var i=void 0,o=t._panelNode,r=void 0,s=void 0;switch(e){case EXPANDED_PANEL:i=panelTemplate,s=t._store.getNotifications(),r=t._generatePanelMarkup(i,s),o.innerHTML=r;break;case ERROR_PANEL:r=(i=panelErrorTemplate).replace(“{errorMsg}”,t._config.panel.errorMsg),o.innerHTML=r}n&&n()}else n&&n(new Error(“No panel parent”))}},{key:”createPanelParentNode”,value:function(e){e&&(e.innerHTML=panelParentTemplate,this._panelNode=document.getElementById(constants.panelNodeId))}},{key:”updateBadgeNode”,value:function(e){if(e){var n=this._store.getNotifications().newCount,t=this._config.badge.maxCount;if(n){var i=n>t?t+”+”:n;e.innerHTML=i}else e.innerHTML=””}}},{key:”addStyles”,value:function(e){if(e&&”undefined”!=typeof window){var n=document.getElementById(this._config.panel.styleTagId);n||((n=document.createElement(“style”)).type=”text/css”,n.id=this._config.panel.styleTagId,n.innerText=e,document.head.appendChild(n))}}}]),e}(),EXPANDED_PANEL$1=”expanded_panel”,ERROR_PANEL$1=”error_panel”,PanelController=function(){function e(n,t,i){classCallCheck(this,e);var o=this;o._store=t,o._view=i,o._config=n;var r=o._config.panel;o._panelParentNode=document.querySelector(r.parentSelector),o._badgeNode=o._config.badge.selector&&document.querySelector(o._config.badge.selector),o._indicatorNode=r.indicatorSelector&&document.querySelector(r.indicatorSelector)}return createClass(e,[{key:”createPanelParentNode”,value:function(){this._view.createPanelParentNode(this._panelParentNode),this._notifPanelNode=document.getElementById(constants.panelNodeId)}},{key:”refreshPanelNode”,value:function(e,n){var t=this;addClass(t._notifPanelNode,constants.panelLoading),t._store.fetchNotifications(e,(function(e,i){var o=window.wafer&&window.wafer.base;o&&o.destroy(t._notifPanelNode),e?t._notifPanelNode.innerHTML||(t._view.render(ERROR_PANEL$1),addClass(t._notifPanelNode,constants.panelLoading)):(t._view.render(EXPANDED_PANEL$1),t._view.updateBadgeNode(t._badgeNode),t._showBadge(),t._showIndicator(),t._view.addStyles(i.css)),removeClass(t._notifPanelNode,constants.panelLoading),o&&o.sync(t._notifPanelNode.parentNode),n&&n(e,i)}))}},{key:”resetBadge”,value:function(){var e=this;e._store.resetNewCount(),e._view.updateBadgeNode(e._badgeNode),addClass(e._badgeNode,e._config.badge.hideClass)}},{key:”_showIndicator”,value:function(){this._indicatorNode&&(this._store.getNotifications().newCount?addClass(this._indicatorNode,this._config.panel.indicatorClass):removeClass(this._indicatorNode,this._config.panel.indicatorClass))}},{key:”_showBadge”,value:function(){var e=this;e._store.getNotifications().newCount?removeClass(e._badgeNode,e._config.badge.hideClass):addClass(e._badgeNode,e._config.badge.hideClass)}}]),e}(),config={promos:{eligibleBodyClass:”display-push-promos”,enableNotifOnboard:!0,bypassEligibleClassCheck:!1,notifOnboardBtnLabel:”Notify Me”,notifOnboardMsg:”Get alerts for breaking news and top stories”,promoLogo:”https://s.yimg.com/cv/apiv2/ae/news/circle_bell.png”,showYahooLogo:!0,subscriptionTopic:”gondor_homerun_news”},badge:{hideClass:””,maxCount:5,selector:””},panel:{emptyPanelMsg:”You have no new notifications.”,errorMsg:””,headerMsg:”Notifications”,imageTag:”img:40×40|2|80″,indicatorClass:”yns-indicator”,indicatorSelector:null,maxCount:6,notificationCenterNavMsg:”View all {newCount} notifications”,notificationCenterPath:””,notificationTypes:””,parentSelector:null,styleTagId:”notificationStyles”,theme:”default”},service:{attemptCount:2,attemptDelay:1,url:null,resetUrl:null,isRMP:!1,responseType:”json”,timeout:1500}},Main=function(){function e(n){classCallCheck(this,e);var t=this;t.config=t._parseConfig(n),t._validateRequiredConfigs()&&(t._request=new NotificationRequest(t.config),t._store=new NotificationStore(t.config,t._request),t._view=new NotificationView(t.config,t._store),t._panelController=new PanelController(t.config,t._store,t._view),t._panelController.createPanelParentNode(),t._assignHelperMethods())}return createClass(e,[{key:”_parseConfig”,value:function(e){var n={};for(var t in objectAssign(n,config),n)if(n.hasOwnProperty(t)){var i=n[t],o=e[t];”object”===(void 0===i?”undefined”:_typeof(i))?objectAssign(i,o):n[t]=e[t]}return n}},{key:”_validateRequiredConfigs”,value:function(){var e=this.config;return!(!e.panel.parentSelector||!e.service.url)}},{key:”_assignHelperMethods”,value:function(){var e=this;e.helpers={refreshPanelNode:e._panelController.refreshPanelNode.bind(e._panelController),resetBadge:e._panelController.resetBadge.bind(e._panelController),resetIndicator:function(){removeClass(e._panelController._indicatorNode,e.config.panel.indicatorClass)}}}}]),e}(),notificationClient_module_min=Main,notificationClient={NotificationClient:notificationClient_module_min},CONSUMPTION_STORAGE_KEY=”lnct”,NotifClient=function(){function e(){var e,n;this.personalized=!1,this.ybarElem=document.getElementById(“ybar”),this.partnerClasses=null===(n=null===(e=this.ybarElem)||void 0===e?void 0:e.className)||void 0===n?void 0:n.match(/ybar-variant-([a-z]*)/),this.client=new notificationClient.NotificationClient(this.getConfig())}return e.prototype.refreshPanel=function(){var e,n,t,i=this,o={lastUpdate:this.getTimeStamp()||this.setTimeStamp(),loadInHpViewer:!0,includePersonalized:this.personalized},r=(null===(e=window.YAHOO)||void 0===e?void 0:e.context)||(null===(n=window.Af)||void 0===n?void 0:n.context)||{};return r.region&&r.lang&&(o.lang=r.lang,o.region=r.region),(null===(t=this.partnerClasses)||void 0===t?void 0:t.length)&&(o.partner=this.partnerClasses[1]),new Promise((function(e,n){i.client.helpers.refreshPanelNode({matrixParams:o},(function(t,i){t&&(logError(“Notification refresh error:”,t),n(t)),e(i)}))}))},e.prototype.resetBadge=function(){this.client.helpers.resetBadge(),this.setTimeStamp()},e.prototype.getConfig=function(){var e,n,t,i,o={promos:{eligibleBodyClass:”display-push-promos”,enableNotifOnboard:!0},badge:{selector:”#notif-badge”,hideClass:”ybar-notification-hidden”},panel:{emptyPanelMsg:”You have no new notifications.”,errorMsg:”Please check back later.”,headerMsg:”Notifications”,maxCount:5,parentSelector:”#ybarNotificationBody”,notificationTypes:”breakingNews”},service:{url:”/tdv2_fp/api/resource/NotificationHistory.getHistory”,isRMP:!1}},r=document.getElementById(“notification-container”),s=null===(e=null==r?void 0:r.dataset)||void 0===e?void 0:e.config,a={};if(s){“att”===(null===(n=this.partnerClasses)||void 0===n?void 0:n[1])&&(o.promos.showYahooLogo=!1);try{var c=JSON.parse(s);a=__assign({},c),this.personalized=1===c.personalize}catch(e){logError(“Notifications config parsing error”,e)}r&&delete r.dataset.config}var l=this.mergeConfigs(o,a);return(null===(t=this.partnerClasses)||void 0===t?void 0:t.length)&&(null===(i=l.promos)||void 0===i?void 0:i.subscriptionTopic)&&delete l.promos.subscriptionTopic,l},e.prototype.mergeConfigs=function(e,n){var t=__assign({},e);for(var i in e)t[i]=__assign(__assign({},e[i]),n[i]);return t},e.prototype.getTimeStamp=function(){var e;return null===(e=window.localStorage)||void 0===e?void 0:e.getItem(CONSUMPTION_STORAGE_KEY)},e.prototype.setTimeStamp=function(){var e,n=””+Math.floor((new Date).getTime()/1e3);return null===(e=window.localStorage)||void 0===e||e.setItem(CONSUMPTION_STORAGE_KEY,n),n},e}(),notifClient=new NotifClient,getNotifClient=function(){return notifClient},reInit=function(){notifClient=new NotifClient},ybarRapid,ybarRapidInterval,ybarRapidErrMsg=””,beaconQueue=[],noop=function(){},logRapidError=function(){window.removeEventListener(“beforeunload”,logRapidError),””!==ybarRapidErrMsg&&logError(“Rapid not found on page”,new Error(ybarRapidErrMsg))},findRapidWithSpaceid=function(e){var n=void 0;if(e&&e.length>0)for(var t=0;t0){if(ybarRapid.addModules(o,!1,i),beaconQueue.length>0)for(e=0;e90&&fireImageBeacon(“performance”,e)}catch(e){}}),1e3)}))},measureInit=measure(“ybar-init”);initYbar(),measureInit.stop(),initPerformanceMetricsBeaconListener(),initRapid(),initErrorBeaconListener();var selected=”_yb_jzayl”,Css$7={“right-item”:”_yb_25j2b”,selected:selected,”ybar-mod-topnavigation”:”_yb_1o38m”,”ybar-mod-topnavigation-teaser-imp”:”_yb_1oij6″},DOCUMENT_NODE_TYPE=9;if(“undefined”!=typeof Element&&!Element.prototype.matches){var proto=Element.prototype;proto.matches=proto.matchesSelector||proto.mozMatchesSelector||proto.msMatchesSelector||proto.oMatchesSelector||proto.webkitMatchesSelector}function closest(e,n){for(;e&&e.nodeType!==DOCUMENT_NODE_TYPE;){if(“function”==typeof e.matches&&e.matches(n))return e;e=e.parentNode}}var closest_1=closest;function _delegate(e,n,t,i,o){var r=listener.apply(this,arguments);return e.addEventListener(t,r,o),{destroy:function(){e.removeEventListener(t,r,o)}}}function delegate(e,n,t,i,o){return”function”==typeof e.addEventListener?_delegate.apply(null,arguments):”function”==typeof t?_delegate.bind(null,document).apply(null,arguments):(“string”==typeof e&&(e=document.querySelectorAll(e)),Array.prototype.map.call(e,(function(e){return _delegate(e,n,t,i,o)})))}function listener(e,n,t,i){return function(t){t.delegateTarget=closest_1(t.target,n),t.delegateTarget&&i.call(e,t)}}var delegate_1=delegate,ListNode=function(e){this.data=e,this.next=null,this.prev=null},LinkedList=function(){function e(){this.head=null,this.tail=null}return e.prototype.push=function(e){var n=new ListNode(e);return this.head?this.tail?(n.prev=this.tail,this.tail.next=n,this.tail=n):(this.tail=n,this.tail.prev=this.head,this.head.next=this.tail):(this.head=n,n.next=this.tail),n},e.prototype.size=function(){for(var e=0,n=this.head;n;)e+=1,n=n.next;return e},e.prototype.getHead=function(){return this.head},e.prototype.getTail=function(){return this.tail},e.prototype.get=function(e){if(e>=this.size())return null;for(var n=0,t=this.head;(null==t?void 0:t.next)&&n0&&Array.prototype.forEach.call(e,(function(e){e.onerror=function(){e.onerror=null,e.style.display=”none”}}))},fixLogoOutline=function(e,n){e&&(hideOutlineOnMouseDown(“#ybar-logo”,”#ybar-logo”,n),n.onDestroy((function(){e.classList.remove(“ybar-show-outline”),e.classList.remove(“ybar-hide-outline”)})))},logoClick=function(e,n){n&&e.addElementListener(n,”click”,(function(){e.triggerEvent(“logo-click”)}))},init$4=function(e,n){n.logoImages&&hideLogosOnError(n.logoImages),n.wrapper&&(fixLogoOutline(n.wrapper,e),logoClick(e,n.wrapper))};initModule(“ybar-mod-logo”,(function(e){var n={wrapper:document.getElementById(“ybar-logo”),logoImages:document.querySelectorAll(“.”.concat(Css$6[“logo-image”]))};init$4(e,n)}));var overlay$1=”_yb_12lgy”,tooltip=”_yb_12q59″,tooltip__text=”_yb_1d5ug”,tooltip__voice=”_yb_1xpmk”,tooltip__web=”_yb_dgyn0″,dark=”_yb_183ar”,darker=”_yb_1yc1q”,light=”_yb_ygnhg”,midnight60=”_yb_18lo3″,Css$5={“dropdown-open”:”_yb_1dctr”,”merchant-is-selected”:”_yb_18dyt”,overlay:overlay$1,”selected-merchant-clear-button”:”_yb_mo1c8″,”shops-buttons”:”_yb_2zvzp”,”styled-select”:”_yb_couwt”,tooltip:tooltip,”tooltip–show”:”_yb_cbae6″,tooltip__text:tooltip__text,tooltip__voice:tooltip__voice,tooltip__web:tooltip__web,dark:dark,darker:darker,light:light,midnight60:midnight60},range=function(e,n){var t=Math.max(e,n),i=Math.min(e,n),o=Math.abs(t-i);return __spreadArray([],new Array(o+1),!0).map((function(e,n){return i+n}))},openSearchOverlay=function(e,n,t){var i=e.getConfig().bucketConfig,o=(void 0===i?{}:i).enable_search_ui,r=void 0!==o&&o;if(n.ybar){n.ybar.classList.add(“ybar-searchbox-assist-fullscreen”),document.documentElement.classList.add(“ybar-overlay”),document.body.classList.add(“ybar-overlay-noscroll”);beaconClick(“ybar”,”websrch”,””,{elm:”expand”,subsec:”searchbox”,itc:”1″}),setTimeout((function(){n.searchInput instanceof HTMLInputElement&&(t&&(n.searchInput.value=t),n.searchInput.focus(),r&&n.searchInput.click())}))}},closeSearchOverlay=function(e){var n;null===(n=e.ybar)||void 0===n||n.classList.remove(“ybar-searchbox-assist-fullscreen”),document.documentElement.classList.remove(“ybar-overlay”),document.body.classList.remove(“ybar-overlay-noscroll”),e.searchInput instanceof HTMLInputElement&&(e.searchInput.value=””,e.searchInput.blur())},initMweb=function(e,n){“smartphone”===e.getConfig().device&&(e.addElementListener(n.searchBoxPlaceholder,”click”,(function(){openSearchOverlay(e,n)})),e.addElementListener(n.searchBoxPlaceholder,”keydown”,(function(t){var i=t,o=i.keyCode,r=i.key,s=range(65,90),a=__spreadArray(__spreadArray([],range(58,57),!0),range(96,105),!0),c=__spreadArray(__spreadArray([],s,!0),a,!0).includes(o);(32===o||13===o||c)&&(t.preventDefault(),t.stopPropagation(),openSearchOverlay(e,n,c?r:””))})),n.searchBoxBackButton&&(e.addElementListener(n.searchBoxBackButton,”click”,(function(e){e.stopPropagation(),closeSearchOverlay(n);beaconClick(“ybar”,”back-close-srch”,””,{elm:”btn”,subsec:”searchbox”,itc:”1″})})),e.addElementListener(n.searchInput,”keyup”,(function(e){e.stopPropagation();27===e.keyCode&&(e.stopPropagation(),closeSearchOverlay(n))}))),e.onDestroy((function(){closeSearchOverlay(n)})))},Tooltip=function(){function e(e,n,t){n&&(this.ybar=e,this.elem=n,this.options=t,this.show=this.show.bind(this),this.hide=this.hide.bind(this),this.addEventListeners())}return Object.defineProperty(e.prototype,”tooltip”,{get:function(){var e=this;return this.tooltipMarkup||(this.tooltipMarkup=this.createTooltip(),(this.options.tooltipParentElm||this.elem).appendChild(this.tooltipMarkup),this.ybar.onDestroy((function(){var n,t;null===(t=null===(n=e.tooltipMarkup)||void 0===n?void 0:n.parentNode)||void 0===t||t.removeChild(e.tooltipMarkup)}))),this.tooltipMarkup},enumerable:!1,configurable:!0}),e.prototype.show=function(){this.tooltip.classList.add(this.options.showClass)},e.prototype.hide=function(){this.tooltip.classList.remove(this.options.showClass)},e.prototype.addEventListeners=function(){this.ybar.addElementListener(this.elem,”mouseenter”,this.show),this.ybar.addElementListener(this.elem,”focus”,this.show),this.ybar.addElementListener(this.elem,”mouseleave”,this.hide),this.ybar.addElementListener(this.elem,”blur”,this.hide)},e.prototype.createTooltip=function(){var e=document.createElement(“div”);e.className=this.options.containerClass||””;var n=document.createElement(“p”);return n.textContent=this.options.label,n.className=this.options.textClass||””,e.appendChild(n),e},e}();createCommonjsModule((function(module){(function(){var __webpack_modules__={“./src/index.js”:
/*!**********************!*
!*** ./src/index.js ***!
**********************/function(__unused_webpack_module,__unused_webpack_exports,__webpack_require__){eval(“var I18n = __webpack_require__(/*! ./lib/I18n */ “./src/lib/I18n.js”);nn(function (win, doc) {n “use strict”;nn var defaultConfig = {n uiLang: ‘en-US’,n speechLang: ‘en-US’,n voiceButton: ‘#voice-btn’,n searchBox: {n form: ‘#sf’,n input: ‘#yschsp’,n params: {n fr: ”,n fr2: ”n }n },n enable_voice_trending: false,n trending: {n market: “en-us”n },n ui: {n speechOverlay: {n disableBlur: falsen }n },n browsers: {n edge: falsen }n };nn function VoiceSearch(config) {n var self = this;n self.config = Object.assign(defaultConfig, config || {});n self.i18n = new VoiceSearch.I18n({n lang: self.config.uiLangn });n self.renderPermissionGuide(self);n self.renderSpeechPanel(self);n self.speechResult = ”;n self.noSpeech = true;n self.isRecognitionStart = false;n self.recognition = null;n self.voiceButton = doc.querySelector(self.config.voiceButton);n self.searchBoxForm = doc.querySelector(self.config.searchBox.form);n self.searchBoxQuery = doc.querySelector(self.config.searchBox.input);n self.speechPanel = doc.querySelector(‘#spch’);n self.speechButtonContainer = doc.querySelector(‘#spchbc’);n self.speechButton = doc.querySelector(‘#spchbc-btn’);n self.speechText = doc.querySelector(‘#spcht’);n self.speechOverlay = doc.getElementById(‘spch-overlay’);n self.retryLink = doc.querySelector(‘#spcht-retry’);n self.trending = doc.getElementById(‘spch-trending’);n self.trendingTerms = doc.getElementById(‘trending-terms’);n self.termSpans = doc.getElementsByClassName(“trending-term”);n self.closeButton = doc.querySelector(‘#spchx’);n self.startAudio = new Audio(‘https://s.yimg.com/pv/static/misc/voice-start-202105050733.wav’);n self.resultAudio = new Audio(‘https://s.yimg.com/pv/static/misc/voice-result-202105050733.wav’);n self.errorAudio = new Audio(‘https://s.yimg.com/pv/static/misc/voice-error-202105050733.wav’);n self.closeAudio = new Audio(‘https://s.yimg.com/pv/static/misc/voice-close-202105050733.wav’);n self.permissionGuide = doc.querySelector(‘#spchp’);n self.permissionGuideClose = doc.querySelector(‘#spchpx’);n self.permissionGuideTimer = null;nn self.onEscKeyDown = function (e) {n if (e.code !== ‘Escape’) {n return;n }nn self.recognition.stop();n self.sendBeacon(‘keybrd’, ‘voicesearch_cancel_esc’); // The clean up should put inside closePanel() instead of here,n // or func won’t be cleaned up if user close panel with btn or overlaynn self.closePanel(self);n };nn if (self.isBrowserSupported()) {n var SpeechRecognition = win.SpeechRecognition || win.webkitSpeechRecognition;n var SpeechGrammarList = win.SpeechGrammarList || win.webkitSpeechGrammarList;n var speechGrammar = ‘#JSGF V1.0;’;n self.recognition = new SpeechRecognition();n var speechRecognitionList = new SpeechGrammarList();nn if (speechRecognitionList.addFromString) {n speechRecognitionList.addFromString(speechGrammar, 1);n }nn self.recognition.grammars = speechRecognitionList;n self.recognition.continuous = false;n self.recognition.lang = self.config.speechLang;n self.recognition.interimResults = false;n self.recognition.maxAlternatives = 1;n /* Listeners */nn if (self.voiceButton) {n self.voiceButton.onclick = function () {n self.recognition.start();nn if (self.permissionGuideTimer) {n win.clearTimeout(self.permissionGuideTimer);n }nn self.permissionGuideTimer = win.setTimeout(function () {n if (!self.isRecognitionStart) {n self.showPermissionGuide(self);n }n }, 300); // Also close when pressing escnn doc.addEventListener(‘keydown’, self.onEscKeyDown);n self.sendBeacon(‘clk’, ‘voicesearch’);n };n }nn if (self.speechButton) {n self.speechButton.onclick = function () {n if (!self.isRecognitionStart) {n self.recognition.start();n self.sendBeacon(‘clk’, ‘voicesearch_panel_mic_restart’);n } else {n self.recognition.stop();n self.sendBeacon(‘clk’, ‘voicesearch_panel_mic_close’);n self.closePanel(self);n }n };n }nn if (self.retryLink) {n self.retryLink.onclick = function () {n if (!self.isRecognitionStart) {n self.recognition.start();n self.sendBeacon(‘clk’, ‘voicesearch_panel_retry’);n }n };n }nn if (self.speechOverlay) {n self.speechOverlay.onclick = function () {n self.recognition.stop();n self.sendBeacon(‘clk’, ‘voicesearch_cancel_outside’);n self.closePanel(self);n };n }nn if (self.closeButton) {n self.closeButton.onclick = functionn /*event*/n () {n self.recognition.stop();n self.sendBeacon(‘clk’, ‘voicesearch_cancel’);n self.closePanel(self);n };n }nn if (self.permissionGuideClose) {n self.permissionGuideClose.onclick = functionn /*event*/n () {n self.recognition.stop();n self.sendBeacon(‘clk’, ‘voicesearch_permission_close’);n self.closeAudio.play();n self.hidePermissionGuide(self);n };n }n /* Recognition Events */nnn self.recognition.onresult = function (event) {n // The SpeechRecognitionEvent results property returns a SpeechRecognitionResultList objectn // The SpeechRecognitionResultList object contains SpeechRecognitionResult objects.n // It has a getter so it can be accessed like an arrayn // The first [0] returns the SpeechRecognitionResult at the last position.n // Each SpeechRecognitionResult object contains SpeechRecognitionAlternative objects that contain individual results.n // These also have getters so they can be accessed like arrays.n // The second [0] returns the SpeechRecognitionAlternative at position 0.n // We then return the transcript property of the SpeechRecognitionAlternative objectn // console.log(‘Confidence: ‘ + event.results[0][0].confidence);n self.speechResult = event.results[0][0].transcript;n /* Punctuation Handling: Check last character and strip it if necessary */nn self.handlePunctuation(self);nn if (self.speechText) {n self.speechText.innerText = self.speechResult;n }nn if (self.searchBoxQuery) {n self.searchBoxQuery.value = self.speechResult;n }nn self.resultAudio.play();n win.setTimeout(function () {n if (self.speechPanel) {n self.speechPanel.classList.remove(“s2tb”);n self.speechPanel.classList.add(“s2tb-h”);n }nn self.hideRetryLink(self);nn if (self.searchBoxForm) {n var inputFr = self.searchBoxForm.querySelector(‘[name=fr]’);n var inputFr2 = self.searchBoxForm.querySelector(‘[name=fr2]’);nn if (inputFr && self.config.searchBox && self.config.searchBox.params && self.config.searchBox.params.fr) {n inputFr.value = config.searchBox.params.fr;n inputFr.disabled = false; // for homepage casen }nn if (inputFr2 && self.config.searchBox && self.config.searchBox.params && self.config.searchBox.params.fr2) {n inputFr2.value = config.searchBox.params.fr2;n inputFr2.disabled = false; // for homepage casen }nn self.searchBoxForm.submit();n }n }, 1000);n };nn self.recognition.onspeechstart = functionn /*event*/n () {// Fired when speech startsn };nn self.recognition.onspeechend = function () {n // Fired when speech endsn self.recognition.stop();n };nn self.recognition.onerror = functionn /*event*/n () {n // console.log(‘Error occurred in recognition: ‘ + event.error);n if (self.speechText) {n self.speechText.innerText = self.i18n.t(‘search.voice.recognition_error’);n }nn self.hideTrending(self);n self.showRetryLink(self);n self.errorAudio.play();n };nn self.recognition.onaudiostart = functionn /*event*/n () {n // Fired when the user agent has started to capture audio.n if (self.speechButtonContainer) {n self.speechButtonContainer.classList.add(“listening”);n }n };nn self.recognition.onaudioend = functionn /*event*/n () {n // Fired when the user agent has finished capturing audio.n if (self.speechButtonContainer) {n self.speechButtonContainer.classList.remove(“listening”);n }n };nn self.recognition.onsoundstart = functionn /*event*/n () {n // Fired when any sound — recognisable speech or not — has been detected.n self.hideTrending(self);n self.noSpeech = false;nn if (self.speechButtonContainer) {n self.speechButtonContainer.classList.remove(“listening”);n self.speechButtonContainer.classList.add(“speaking”);n }n };nn self.recognition.onsoundend = functionn /*event*/n () {n // Fired when no sound presentn if (self.speechButtonContainer) {n self.speechButtonContainer.classList.remove(“speaking”);n }n };nn self.recognition.onstart = functionn /*event*/n () {n // Fired when the speech recognition service has begun listeningn self.recognitionInit(self);n self.startRecognition(self);n };nn self.recognition.onend = functionn /*event*/n () {n // Fired when the speech recognition service has disconnected.n self.isRecognitionStart = false;nn if (self.noSpeech == false && self.speechResult == ”) {n // No match: Fired when the speech recognition can’t recognise speechn if (self.speechText) {n self.speechText.innerText = self.i18n.t(‘search.voice.recognition_nomatch’);n }nn self.hideTrending(self);n self.showRetryLink(self);n self.errorAudio.play();n }n }; // trigger onReady event when initializednnn if (document && document.dispatchEvent) {n document.dispatchEvent(new Event(‘VOICE_JS_READY’));n }n }n } // static membersnnn VoiceSearch.I18n = I18n; // instance membersnn VoiceSearch.prototype.renderPermissionGuide = function (self) {n var tmpl = “\n

\n \n

\n

\n \n

\n

\n

“.concat(self.i18n.t(‘search.voice.permission_title’), “

\n

“).concat(self.i18n.t(‘search.voice.permission_text’), “

\n

\n

\n

\n “);n var dom = new DOMParser().parseFromString(tmpl, ‘text/html’);n document.body.appendChild(dom.body.children[0]);n };nn VoiceSearch.prototype.renderSpeechPanel = function (self) {n var tmpl = “\n

\n \n \n

\n

\n

\n \n \n \n \n \n \n

\n

\n

\n \n \n “.concat(self.i18n.t(‘search.voice.recognition_retry’), “\n

\n

\n

\n

\n

\n

\n “).concat(self.i18n.t(‘search.voice.trending_title’), “\n \n

\n

\n

\n “);n var dom = new DOMParser().parseFromString(tmpl, ‘text/html’);nn if (self && self.config && self.config.ui && self.config.ui.speechOverlay && self.config.ui.speechOverlay.disableBlur) {n dom.body.children[0].classList.add(‘disable-blur-overlay’);n }nn document.body.appendChild(dom.body.children[0]);n };nn VoiceSearch.prototype.isBrowserSupported = function () {n var isSupported = false;n var self = this;n var isChromium = Boolean(window.chrome);n var isIOSChrome = /CriOS/.test(window.navigator.userAgent);n var isEdge = /Edg\//.test(window.navigator.userAgent);n var isLegacyEdge = /Edge\//.test(window.navigator.userAgent);n var isOpera = Boolean(window.opr);n var isBrave = Boolean(window.navigator.brave);n var browsers = [// chromen {n checkEnabled: function checkEnabled() {n return true;n },n checkBrowser: function checkBrowser() {n return isChromium && !isIOSChrome && !isEdge && !isOpera && !isBrave;n },n checkAPI: function checkAPI() {n return win && (‘SpeechRecognition’ in win || ‘webkitSpeechRecognition’ in win) && (‘SpeechGrammarList’ in win || ‘webkitSpeechGrammarList’ in win);n }n }, // edgen {n checkEnabled: function checkEnabled() {n return self && self.config && self.config.browsers && self.config.browsers.edge;n },n checkBrowser: function checkBrowser() {n return isChromium && isEdge && !isLegacyEdge;n },n checkAPI: function checkAPI() {n return win && (‘SpeechRecognition’ in win || ‘webkitSpeechRecognition’ in win) && (‘SpeechGrammarList’ in win || ‘webkitSpeechGrammarList’ in win);n }n }];nn for (var b = 0; b < browsers.length; b++) {n var browser = browsers[b];nn if (browser && browser.checkBrowser && browser.checkBrowser() && browser.checkEnabled && browser.checkEnabled(self) && browser.checkAPI && browser.checkAPI()) {n isSupported = true;n }n }nn return isSupported;n };nn VoiceSearch.prototype.recognitionInit = function (self) {n // Initialize flags for checking whether user is speaking or notn self.speechResult = ”;n self.noSpeech = true;n self.isRecognitionStart = true;n };nn VoiceSearch.prototype.showPermissionGuide = function (self) {n if (self.permissionGuide) {n self.permissionGuide.classList.remove(“hide”);n }n };nn VoiceSearch.prototype.hidePermissionGuide = function (self) {n if (self.permissionGuide) {n self.permissionGuide.classList.add(“hide”);n }n };nn VoiceSearch.prototype.getTrending = function (self) {n // Call api for trending termsn if (!self.config.enable_voice_trending || !self.trending) {n return;n }nn var url = “https://api.search.yahoo.com/data/v3/search?appid=4d234a9d&market=” + self.config.trending.market + “&features=trending.voice”;n self.ajaxReq(url, function (resBody) {n if (!resBody || !resBody.response || !resBody.response.search || !resBody.response.search.results || !resBody.response.search.results[“trending.voice”]) {n return;n }nn var terms = resBody.response.search.results[“trending.voice”].data;n self.showTrending(self, terms);n });n };nn VoiceSearch.prototype.showTrending = function (self, terms) {n // params checkn if (!Array.isArray(terms) || terms.length < 3) {n return;n } // DOM checknnn if (!self.trending || !self.termSpans || !self.termSpans[0]) {n return;n }nn var trendingLabel = ”;n trendingLabel += ‘”‘ + terms[0].text + ‘”‘ + ‘, ‘;n trendingLabel += ‘”‘ + terms[1].text + ‘”‘ + ‘ ‘;n trendingLabel += self.i18n.t(‘search.voice.trending_or’) + ‘ ‘;n trendingLabel += ‘”‘ + terms[2].text + ‘”‘;n self.termSpans[0].innerText = trendingLabel;n self.trending.classList.remove(“hide”);n };nn VoiceSearch.prototype.hideTrending = function (self) {n if (!self.trending) {n return;n }nn self.trending.classList.add(“hide”);n };nn VoiceSearch.prototype.showRetryLink = function (self) {n if (self.retryLink) {n self.retryLink.innerText = self.i18n.t(‘search.voice.recognition_retry’);n self.retryLink.classList.remove(“hide”);n }n };nn VoiceSearch.prototype.hideRetryLink = function (self) {n if (self.retryLink) {n self.retryLink.classList.add(“hide”);n }n };nn VoiceSearch.prototype.startRecognition = function (self) {n self.hidePermissionGuide(self);n self.getTrending(self);n self.startAudio.play();nn if (self.speechText) {n self.speechText.innerText = self.i18n.t(‘search.voice.recognition_start’);n win.setTimeout(function () {n self.speechText.innerText = self.i18n.t(‘search.voice.recognition_listening’);n }, 2000);n }nn if (self.speechPanel) {n self.speechPanel.classList.remove(“s2tb-h”);n self.speechPanel.classList.add(“s2tb”);n }nn self.hideRetryLink(self);n };nn VoiceSearch.prototype.closePanel = function (self) {n self.closeAudio.play();n win.setTimeout(function () {n if (self.speechPanel) {n self.speechPanel.classList.remove(“s2tb”);n self.speechPanel.classList.add(“s2tb-h”);n }nn self.hideTrending(self);n self.hideRetryLink(self); // clean up esc listenernn doc.removeEventListener(‘keydown’, self.onEscKeyDown);n }, 100);n };nn VoiceSearch.prototype.handlePunctuation = function (self) {n if (self.speechResult.length > 0) {n var lastChar = self.speechResult.charAt(self.speechResult.length – 1);nn if (lastChar === ‘.’ || lastChar === ‘?’ || lastChar === ‘。’ || lastChar === ‘?’) {n self.speechResult = self.speechResult.slice(0, -1);n }n }n };nn VoiceSearch.prototype.sendBeacon = function (actn, slk) {n var ULT = win.YAHOO.ULT || {},n SB = win.YAHOO.SB || {};nn if (ULT.beacon_click) {n var trackParams = {n _S: SB.config.i13n.spaceid,n _I: SB.config.i13n.pvid,n actn: actn,n sec: ‘search’,n slk: slkn };n win.YAHOO.ULT.beacon_click(trackParams);n }n };nn VoiceSearch.prototype.ajaxReq = function (url, callback) {n var DONE_STATE = XMLHttpRequest.DONE || 4; // for IE-compatibilitynn var xhr = new XMLHttpRequest();n var responseRaw;n var response; // CORS request only for IE8/IE9nn if (doc.documentMode && doc.documentMode < 10) {n var xdr = new win.XDomainRequest();nn xdr.onload = function () {n try {n response = JSON.parse(responseRaw);n callback(response);n } catch (err) {n return;n }n };nn xhr.open(‘GET’, url);n xhr.send();n return;n } // CORS request for browers newer than IE9nnn xhr.onreadystatechange = function () {n if (xhr.readyState !== DONE_STATE) {n return;n } // handle ajax responsennn switch (xhr.status) {n case 200:n responseRaw = xhr.responseText;nn try {n response = JSON.parse(responseRaw);n callback(response);n } catch (err) {n return;n }nn break;nn default:n // non-200 status code: retry or assume failuren callback(response);n break;n }n };nn xhr.open(‘GET’, url, true);n /* aync request */nn xhr.timeout = 10000;n xhr.send();n };nn if (!win.YAHOO) {n win.YAHOO = {};n }nn if (!win.YAHOO.Util) {n win.YAHOO.Util = {};n }nn win.YAHOO.Util.VoiceSearch = VoiceSearch;n})(window, document);nn//# sourceURL=webpack://@vzmi/voicejs/./src/index.js?”)},”./src/lib/I18n.js”:
/*!*************************!*
!*** ./src/lib/I18n.js ***!
*************************/function(module,__unused_webpack_exports,__webpack_require__){eval(“module.exports = function () {n var LANG_LIST = __webpack_require__(/*! ./lang_list.json */ “./src/lib/lang_list.json”);nn var DEFAULT_LANG = ‘default’;nn var isValidLang = function isValidLang(lang) {n return LANG_LIST.indexOf(lang) !== -1;n }; // convert language strings to key-value mapnnn var buildStrMap = function buildStrMap(langStrings) {n return langStrings.reduce(function (strMap, item) {n strMap[item.id] = item.defaultMessage;n return strMap;n }, {});n };nn var I18n = function I18n(options) {n // initializen this.lang = isValidLang(options && options.lang) ? options.lang : DEFAULT_LANG;n }; // static membersnnn I18n.langMap = {};n I18n.langMap[DEFAULT_LANG] = buildStrMap(__webpack_require__(/*! ../lang/strings.json */ “./src/lang/strings.json”));nn I18n.setLangMap = function (lang, strings) {n if (lang && strings) {n I18n.langMap[lang] = buildStrMap(strings);n }n }; // instance membersnnn I18n.prototype = {n t: function t(id) {n switch (true) {n // look up target languagen case Boolean(I18n.langMap && I18n.langMap[this.lang] && I18n.langMap[this.lang][id]):n return I18n.langMap[this.lang][id];n // fallback to default stringsnn case Boolean(I18n.langMap && I18n.langMap[DEFAULT_LANG] && I18n.langMap[DEFAULT_LANG][id]):n return I18n.langMap[DEFAULT_LANG][id];nn default:n return ”;n }n }n };n return I18n;n}();nn//# sourceURL=webpack://@vzmi/voicejs/./src/lib/I18n.js?”)},”./node_modules/css-loader/dist/cjs.js!./node_modules/postcss-loader/dist/cjs.js!./src/index.css”:
/*!*******************************************************************************************************!*
!*** ./node_modules/css-loader/dist/cjs.js!./node_modules/postcss-loader/dist/cjs.js!./src/index.css ***!
*******************************************************************************************************/function(module,__webpack_exports__,__webpack_require__){eval(‘__webpack_require__.r(__webpack_exports__);n/* harmony import */ var _node_modules_css_loader_dist_runtime_api_js__WEBPACK_IMPORTED_MODULE_0__ = __webpack_require__(/*! ../node_modules/css-loader/dist/runtime/api.js */ “./node_modules/css-loader/dist/runtime/api.js”);n/* harmony import */ var _node_modules_css_loader_dist_runtime_api_js__WEBPACK_IMPORTED_MODULE_0___default = /*#__PURE__*/__webpack_require__.n(_node_modules_css_loader_dist_runtime_api_js__WEBPACK_IMPORTED_MODULE_0__);n// Importsnnvar ___CSS_LOADER_EXPORT___ = _node_modules_css_loader_dist_runtime_api_js__WEBPACK_IMPORTED_MODULE_0___default()(function(i){return i[1]});n// Modulen___CSS_LOADER_EXPORT___.push([module.id, “/* Sprites */\n#spchp.permission-guide .guide .microphone .sprite,\n#spchp .close-button,\n#spch .close-button,\n#spch .spchc .microphone,\n#spch .spchc .speaking .microphone {\n background-image: url(https://s.yimg.com/pv/static/img/voiceSearch1x-1620383531565.min.png);\n background-repeat: no-repeat;\n background-size: initial;\n color: transparent;\n}\n/* Retina displays */\n@media\n only screen and (-webkit-min-device-pixel-ratio: 2),\n only screen and (min-device-pixel-ratio: 2),\n only screen and (min-resolution: 192dpi),\n only screen and (min-resolution: 2dppx) {\n#spchp.permission-guide .guide .microphone .sprite,\n#spchp .close-button,\n#spch .close-button,\n#spch .spchc .microphone,\n#spch .spchc .speaking .microphone {\n background-size: 41px 330px;\n background-image: url(https://s.yimg.com/pv/static/img/voiceSearch2x-1620383531565.min.png)\n}\n }\n\n/* permission guide */\n#spchp.permission-guide {\n height: 100%;\n width: 100%;\n padding: 0;\n opacity: 0.9;\n background-color: #fff;\n left: 0;\n overflow: hidden;\n position: fixed;\n text-align: left;\n top: 0;\n z-index: 10000;\n transition: visibility 0s linear 0.218s, background-color 0.218s;\n}\n#spchp.permission-guide .close-button {\n background-position: 0 0;\n width: 24px;\n height: 24px;\n border: none;\n cursor: pointer;\n right: 0;\n margin: 20px;\n padding: 0;\n position: absolute;\n top: 0;\n z-index: 10;\n opacity: 0.8;\n }\n#spchp.permission-guide .close-button:hover {\n opacity: 1;\n }\n#spchp.permission-guide .guide {\n margin: 191px 0 0 507px;\n }\n#spchp.permission-guide .guide .microphone {\n height: 68px;\n width: 52px;\n border-right: 1px solid #232a31;\n float: left;\n }\n#spchp.permission-guide .guide .microphone .sprite {\n background-position: 0 -105px;\n width: 28px;\n height: 28px;\n }\n#spchp.permission-guide .guide .guide-text {\n height: 68px;\n margin-left: 24px;\n float: left;\n }\n#spchp.permission-guide .guide .guide-text .title {\n color: #232a31;\n font-size: 32px;\n font-family: HelveticaNeue-Bold;\n line-height: 28px;\n margin-bottom: 16px;\n }\n#spchp.permission-guide .guide .guide-text .text {\n color: #232a31;\n font-size: 16px;\n line-height: 28px;\n }\n#spchp.permission-guide.hide {\n display: none;\n }\n\n/* speech panel */\n#spch.spch {\n background: #fff;\n height: 100%;\n left: 0;\n opacity: 0;\n overflow: hidden;\n position: fixed;\n text-align: left;\n top: 0;\n visibility: hidden;\n width: 100%;\n z-index: 10000;\n transition: visibility 0s linear 0.218s, background-color 0.218s;\n}\n#spch.spch .close-button {\n background-position: 0 0;\n width: 24px;\n height: 24px;\n border: none;\n cursor: pointer;\n right: 0;\n margin: 20px;\n padding: 0;\n position: absolute;\n top: 0;\n z-index: 10;\n opacity: 0.8;\n }\n#spch.spch .close-button:hover {\n opacity: 1;\n }\n#spch.spch .spchc {\n display: block;\n height: 97px;\n pointer-events: none;\n }\n#spch.spch .spchc .inner-container {\n width: 100%;\n height: 100%;\n opacity: 0.1;\n pointer-events: none;\n transition: opacity 0.318s ease-in;\n }\n#spch.spch .spchc .inner-container .spch-control {\n display: inline-block;\n }\n#spch.spch .spchc .inner-container .text-container {\n float: left;\n height: 91px;\n overflow: hidden;\n margin: 3px 0;\n pointer-events: none;\n width: calc(50% – 48.5px);\n }\n#spch.spch .spchc .inner-container .text-container p {\n display: table-cell;\n vertical-align: middle;\n width: 550px;\n height: 97px;\n }\n#spch.spch .spchc .inner-container .text-container .spcht {\n font-weight: normal;\n color: #6e7780;\n line-height: normal;\n opacity: 0;\n pointer-events: none;\n text-align: left;\n -webkit-font-smoothing: antialiased;\n transition: opacity 0.1s ease-in, margin-left 0.5s ease-in, top 0s linear 0.218s;\n }\n#spch.spch .spchc .inner-container .text-container .spcht.hide {\n display: none;\n }\n#spch.spch .spchc .inner-container .text-container #spcht-retry {\n color: #0f69ff;\n cursor: pointer;\n pointer-events: auto;\n }\n#spch.spch .spchc .inner-container .button-container {\n pointer-events: none;\n position: relative;\n transition: transform 0.218s, opacity 0.218s ease-in;\n }\n#spch.spch .spchc .inner-container .button-container .button {\n background-color: #fff;\n border: 1px solid #eee;\n border-radius: 100%;\n bottom: 0;\n box-shadow: 0 2px 5px rgba(0, 0, 0, 0.1);\n cursor: pointer;\n display: inline-block;\n left: 0;\n opacity: 0;\n pointer-events: none;\n position: absolute;\n right: 0;\n top: 0;\n transition: background-color 0.218s, border 0.218s, box-shadow 0.218s;\n }\n#spch.spch .spchc .inner-container .button-container .button .microphone {\n background-position: 0 -24px;\n width: 41px;\n height: 41px;\n left: 27px;\n pointer-events: none;\n position: absolute;\n top: 27px;\n transform: scale(1);\n }\n#spch.spch .spchc .inner-container .button-container.listening .ripple {\n position: absolute;\n width: 136px;\n height: 136px;\n z-index: -1;\n left: 50%;\n top: 50%;\n opacity: 0;\n margin: -70px 0 0 -70px;\n border-radius: 100px;\n -webkit-animation: ripple 3.3s infinite;\n animation: ripple 3.3s infinite;\n background-color: #fff !important;\n border: 2px solid #e0e4e9;\n }\n#spch.spch .spchc .inner-container .button-container.listening .ripple:nth-child(2) {\n -webkit-animation-delay: 1.1s;\n animation-delay: 1.1s;\n }\n#spch.spch .spchc .inner-container .button-container.listening .ripple:nth-child(3) {\n -webkit-animation-delay: 2.2s;\n animation-delay: 2.2s;\n }\n#spch.spch .spchc .inner-container .button-container.speaking .button {\n background-color: #0f69ff;\n }\n#spch.spch .spchc .inner-container .button-container.speaking .button .microphone {\n background-position: 0 -65px;\n width: 40px;\n height: 40px;\n pointer-events: none;\n position: absolute;\n transform: scale(1);\n }\n#spch.spch .spchc .inner-container .button-container.speaking .ripple {\n background-size: 114px;\n position: absolute;\n width: 114px;\n height: 114px;\n z-index: -1;\n left: 50%;\n top: 50%;\n margin: -57px 0 0 -57px;\n -webkit-animation: speakingRipple1 2s infinite;\n animation: speakingRipple1 2s infinite;\n }\n#spch.spch .spchc .inner-container .button-container.speaking .ripple:nth-child(2) {\n background-size: 123px;\n width: 123px;\n height: 123px;\n margin: -62px 0 0 -62px;\n -webkit-animation: speakingRipple2 2s infinite;\n animation: speakingRipple2 2s infinite;\n }\n#spch.spch .spchc .inner-container .button-container.speaking .ripple:nth-child(3) {\n background-size: 136px;\n width: 136px;\n height: 136px;\n margin: -68px 0 0 -68px;\n -webkit-animation: speakingRipple3 2s infinite;\n animation: speakingRipple3 2s infinite;\n }\n#spch.spch .spcho {\n background-image: linear-gradient(to bottom, rgb(255, 255, 255) 50%, rgba(255, 255, 255, 0) 99%);\n display: block;\n min-width: 100%;\n text-align: center;\n top: 145px;\n padding-bottom: 71px;\n pointer-events: auto;\n }\n#spch.spch .spcho #spch-trending {\n -webkit-animation: fadeIn 1s forwards;\n animation: fadeIn 1s forwards;\n opacity: 0;\n }\n#spch.spch .spcho #spch-trending .trending {\n color: 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Target-date funds may be cramping your retirement.

Between July 29 and Aug. 2, lawyers representing current and past participants in six separate retirement plans filed suit against their employers and plan fiduciaries, charging that the BlackRock target-date funds in the plans performed worse than other popular target-date funds. Those lawsuits come four months after mutual fund giant Vanguard was served with a class-action suit charging that Vanguard mismanaged some of its target-date funds to the point where the investors where slammed with excessive tax bills.

In addition to the legal actions, two recently issued reports cast doubt on investing in target-date funds in retirement, charging that such funds often carry too much risk for retired investors. The reports, from research firm Morningstar and Boston College’s Carroll School of Management and the TIAA Institute, found that the fund’s don’t provide the flexibility and guidance older investors often need, and that the equity exposure in target-date funds exposes retirees to too much risk. Is it time to cut bait if you’re invested in TDFs and look for an alternative?

Want help managing your retirement savings? Consider working with a financial advisor.

What Are Target-Date Funds?

Target-date funds are a class of mutual funds or ETFs that periodically rebalance the fund’s asset class weights to optimize risk and returns for a predetermined time frame, typically to provide cash at the end of the pre-set period. The asset allocation of these funds is designed to gradually shift along a glidepath to a more conservative profile so as to minimize risk when the prescribed retirement year (i.e. the target date) approaches. They’re known for their convenience — set-it and forget-it investment vehicles.

And TDF popularity is soaring: whereas only 19% of 401(k) plan participants had target date funds in 2006, percentage rose to56% by the end of 2018, according to the EBRI/ICI 401(k) database.

Target-Date Fund Disadvantages

Target-date funds have been saddled by legal woes.

The suits involving the LifePath Index Funds operated by BlackRock don’t target the fund managers, but charge that entities responsible for running company retirement plans stuck with the funds when better-performing investments were available. The complaints were filed against employers and fiduciaries for Capital One Financial Corp.; Booz Allen Hamilton Inc.; Citigroup Inc.; Stanley Black & Decker Inc.; Cisco Systems Inc.; and Wintrust Financial Corp.

The suit filed by Citigroup employees claims that, “defendants selected, retained, and/or otherwise ratified poorly-performing investments instead of offering more prudent alternative investments that were readily available.”

The class-action effort against Vanguard alleges that the company’s target-date funds suffered when Vanguard changed its policies regarding investment thresholds for its lower-fee institution funds, resulting in a rush of investors bailing on more expensive retail funds. The necessary sale of assets from the retail funds slapped fund investors with capital gains taxes that the suit charges were 40 times previous levels and “left taxable investors holding the tax bag.”

Target-Date Fund Challenges Beyond Legal Troubles 

Target-date funds have other detriments beyond this spate of legal headaches.

If you set your target-date fund and forget it, what’s going to happen, said one study author, “Is that your circumstances change and something that may have been a good initial investment may no longer be a good investment. And over long periods of time, that’s problematic.”

The appeal of target-date funds is that they offer investors the convenience of putting their investing activities on autopilot in one vehicle. But this “set-it and forget it” approach can be harmful to retired investors, according to the the studies from Morningstar,  Boston College and the TIAA Institute.

Other critics of target-date funds have charged that many fund managers continue with an overly aggressive and risky asset mix at times when the funds should be shifted to a safer, more conservative and stable mix of investments.

In addition, target-date funds typically are built using funds from just one fund family within Fidelity or Vanguard, without lots of diversification. The management fees are often particularly high given that you have to pay expense ratios for every fund within the target-date fund. What’s more, the target-date in question may not account for addition retirement savings you have outside of the account and thus is on target with an asset-allocation that does not necessarily reflect the reality of your financial situation.

Target-Date Fund Alternatives

Try a managed account, offered in about half of all retirement plans. This allows you to take into account more than just age.

Try a hybrid model, that allows for more return-seeking assets and customization while also incorporating the convenient elements of a TDF.

Try an unwrapped TDF, which allows retirement savers to get under the hood a bit and customize according to specific model portfolios created by the record keeper with a particular glide path.

Bottom Line

Target-date funds have faced a litany of legal troubles of late. They also can be costly and offer less in the way of customization based on real-world factors. It may behoove you to explore other options for your 401(k) and working with a financial advisor can help you navigate the challenging waters of retirement planning.

Retirement Planning Tips

financial advisor can help you plan for retirement and be able to retire on time. Finding a qualified financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with up to three financial advisors who serve your area, and you can interview your advisor matches at no cost to decide which one is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.

If you have access to a 401(k) make sure you take advantage of any employer match that is available; that’s free money, don’t leave it on the table.

Don’t miss out on news that could impact your finances. Get news and tips to make smarter financial decisions with SmartAsset’s semi-weekly email. It’s 100% free and you can unsubscribe at any time. Sign up today.

For important disclosures regarding SmartAsset, please click here.

Photo credit: ©iStock.com/Delmaine Donson, ©iStock.com/whyframestudio

The post Are Target-Date Funds Hampering Your Retirement? Try This Instead appeared first on SmartAsset Blog.

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