Questions tagged [lifecycle-fund]
5 questions
12
votes
3 answers
Do I need to own all the funds my target-date funds owns to mimic it?
I just calculated out that investing my Roth IRA in a Lifecycle fund will cost me about $65k more than investing directly in the underlying funds, effectively doubling the expense ratio. And the funds they choose aren't exactly low expense…
jldugger
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7
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3 answers
Should I fund retirement with a static asset allocation or an age based glide path?
It seems a lot of people recommend lifecycle funds. They're even an allowed default investment for 401ks now. But given how little I trust Wall Street, I'm curious if there's any quality academic research demonstrating that rebalancing towards a…
jldugger
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3
votes
1 answer
Expected total principal + gains from a vanguard life cycle account upon retirement after 33 years?
If one maxes out his Roth IRA starting from age 26, investing only into a vanguard target 2045 (lifecycle) fund, what amount can he expect to withdraw at retirement at age 59?
I did a quick check using a compound interest calculator: assuming a 5+k…
user9671
2
votes
1 answer
What is the best resource for determining a specific age-based asset allocation?
I found a lot of information about how to allocate between stocks and bonds based on age, but I cannot find much about the proper allocation between domestic/international assets, large cap/small cap, etc. Where is the best place to find this?
Scott Anderson
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2
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1 answer
401k Option - Lifecycle or S&P Index - what are pros and cons?
When I set up a 401k a few years ago, my options were pretty limited, so I simply went with a lifecycle target retirement date fund (exp ratio of 0.12%). However, I now see I can choose a passively managed S&P 500 Index fund with an expense ratio of…
enderland
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