Questions tagged [target-date-fund]
19 questions
21
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Target Funds for a casual investor - benefits/drawbacks
I want to invest in something but don't have much knowledge; I'm considering a target fund based on approximate retirement date.
What are the benefits / drawbacks to a casual investor, of investing in such a fund?
Rich
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Is losing money in my 401K normal?
I had about $10.5K in my Fidelity 401K account invested in their target fund. I started it a year ago. This is my first time with investing in the stock market.
For the past 2-3 months, it keeps going down. Now it's at $9K. Lost $1.5K.
I don't need…
Kint Kant
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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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My first 401k, starting late-ish - should I stick with target date?
I just got my first "big boy" job at the tender age of... 34, after a long time in academia and a startup stint that worked out pretty well (startup got acquired by public company) - so now it's the first time I have the option to contribute to an…
nvergos
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How does Vanguard determine the optimal asset allocation for their Target Retirement Funds?
Until 25 years before retirement, Vanguard Target Retirement Funds all have an identical asset allocation of 63% U.S. stocks, 27% international stocks, 8% U.S. bonds, and 2% international bonds. I roughly follow this allocation because it seems…
Craig W
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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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Do transaction fees for investing in funds offset the benefit of a low expense ratio?
When looking for low expense-ratio funds (specifically Target Date funds), they all seem to be one of two options:
No transaction fees and high expense ratio (Example: AREVX $0 transaction, %.98 expense ratio)
High transaction fees and low expense…
xdumaine
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What are the fees in a targeted retirement fund?
I own the American Funds 2030 Target Date Retirement Fund (AAETX).
AAETX owns a collection of other funds such as New Perspective Fund (ANWPX).
Am I paying a fee for both AAETX and the underlying ANWPX?
Under fees and expenses the expense ratio…
Andrew Frievalt
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5
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How to fully utilize my Fidelity IRA account?
Both my wife and I have Fidelity IRA accounts, but I've never fully utilized it. I'd like to seed this account throughout the year, but I have questions:
How much money can I put in per year? What if I exceed it?
With the Roth IRA, is there an…
Wade
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Are age-related funds a good idea (Fidelity Freedom, T Rowe Price retirement etc.)
Just curious what the consenus is on just dumping 100% of your 401k into one of the age related mutual funds.
My 401k is through Fidelity and they have "FreedomFunds" which retirement dates.
So I dump everything into the FreedomFund 2050 (since…
Jack
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Are there Target Date Funds in Europe/Germany?
The title already says it.
To expand on this, I read about target date funds on this site. Essentially, they try to provide bigger gains with bigger risks at the start, and "automatically" become more conservative, the closer the target date…
glglgl
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What is the ticker symbol for "Vanguard Target Retirement 2045 Trust Plus"?
Hi I'm offered this plan through work but i can't find a ticker for it so that i can compare it to something else using tools like google finance.
All I find is "Vanguard Target Retirement 2045 Fund" and "Vanguard Target Retirement 2045 Inv Fund"…
varm
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Does anyone know what Bank of NY Mellon's EB DLs are?
On my 401(k) the Target Allocation funds are heavily invested in a bunch of BNY Mellon funds and I can't find what they are.
These three particularly, as they're the largest holdings:
BNY Mellon EB DL Brd Mkt
BNY Mellon EB DL ACWI ex-US
BNY Mellon…
Ender
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Confused About the Use of Bond ETFs in Target Date Funds instead of Raw Bonds
I’ve been investing in my company’s 401(k) for a while now, and since I didn’t know much about the financial market when I started, I just went with the default option: a target retirement date fund set for 2065.
After doing some research, I’ve…
Gulzat Mamytbek
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Are Target Funds Unsafe - Post Q.E.?
It appears that Target Funds are becoming more common for employer sponsored plans, and these are billed as a safe way to prepare for retirement.
For people who plan to retire over the five to fifteen years, those plans will be trending away from…
BruceNewEngland
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