Questions tagged [target-date-fund]
The target-date-fund tag has no usage guidance.
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Tax implications of holding a target date fund in a taxable account vs. DIY
I like target date funds due to their simplicity. However, one disadvantage is that the stocks and bonds are now combined together in one fund and the flexibility to sell one of them individually is ...
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What is in a T. Rowe Price target date fund?
A target date fund is a great way to save for 401k retirement but what is the actual composition? I understand that they're split between bonds and stocks but how does somebody actually introspect the ...
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How can I tell if a target date fund has too many fees?
I've read that when investing in a target date fund (401k or IRA) there are often a lot more fees involved than other funds. These are an easy option though if you're not too sure what to invest in. ...
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Contributing to a target fund after the date of the fund
If I contribute to a target fund that's targeting 2040 as a retirement date, but I don't end up retiring until 2043 what will happen after 2040? Will I still be able to contribute to the same plan ...
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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 ...
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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 ...
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My first 401k, starting late-ish - should I stick with target date? [closed]
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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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