Baby boomers, take heart: investing for and going into retirement has gotten easier—and mostly cheaper—in part due to ETFs and technology.

This was one theme retirement fund experts voiced during a panel at the Morningstar ETF Conference in Chicago.

Scott Kubie, chief investment strategist with CLS, which has $7 billion in assets—mostly in 529 plans and 401k funds—pointed out no matter what people say they are saving for, “everyone is investing for retirement.”

Will McGough, vice president of portfolio management of Stadion, which has managed retirement plans since the 1990s, said his firm launched a new plan called StoryLine, which is “robo-like” by allowing investors to choose from “glide paths” on screen to tighten their risk profile.

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