"So anyone investing in these funds, especially the farther-out years, needs to be prepared for a lot of volatility." Watch out for fee padding, he added.
"The gold standard is Vanguard, whose fees range from 0.14 percent to 0.16 percent," Stark said.
Some software engineers leave the work environment to go out in a support role on customer calls.
Some companies provide diversions such as game rooms to relieve some of the stress that accompanies software development.
"I would strongly argue that the target-date fund would do a much better job aligning with the investor's goals than the investor would do on their own," he said.