With respect Bern78!!,
The investment strategy being discussed is the "default" strategy. In other words, you/your husband haven't bothered to tailor the fund in line with what is appropriate to your personal circumstances. The "default" is not a "best case" solution for all - it's simply an investment pathway for those who display insufficient interest to decide on a personalised investment strategy!!
It follows that the glide path in question often targets annuity purchase - the thinking being that if an individual can't be bothered enough to consider which fund to invest in pre-retirement, are such individuals really going to suddenly become all interested in such matters post retirement (and invest in an ARF)?!