What’s wrong with putting all your money in Vanguard Target Date Funds? Just tired of picking and trading stocks in Robinhood. Already have some money with Wealthfront and don’t want to keep paying commission that is more than TLH.
I can only choose target funds . Is it good idea just one fund or mixed bag of VFORX, VTTHX,VTTVX,VTIVX Any thoughts please? #finance #investment #tech
My financial advisor told me Target funds are better than index funds for retirement, however this article makes a good case for index funds. What is everyone else here buying in their 401k? https://www.myroadtofire.com/blog/3-ways-to-maximize-your-401k-retirement-account
Am I missing out if I stick to Target Date funds over meticulously using Index Funds? Is it worth it to switch my portfolio up? #investments #personalfinance #targetdate #index
Hi, I see only fidelity target funds for my 401k!! I don’t want to invest in them (looking to invest in VOO or VTI). What can I do? TC: 218
I’m getting tired of rebalancing my 401k. Wondering if this is a good option
For 401k investments, should you choose a targeted date option or index funds? I have my 401k with Fidelity and have it as a targeted date but recently found I could change to index funds or a mix of both. TC: 148k #401k #retirement #investments #personalfinance
Do you recommend investing in target date funds for accounts such as a Roth (after mega backdoor) and HSA or focus on VOO for these retirement accounts? I already invest a good amount in VOO in my regular investment account and from what I understand, target date funds get adjusted the closer you g...Read more
I’ve always used the target date funds for my 401k but recently i’ve seen people manually just buy VTI etc. Can someone help me on this? New to the US and the 401k system.
Which is a better investment for 401ks? 2065 target date fund or just investing in S&P500? TC: 180k YOE: 2
Example of a targeted retirement fund vs SP500 Targeted retirement 2045: +23% past 5 years SP500: +80% past 5 years They both dropped by 30% in 2020. What’s the point of those targeted retirement bs?
Assume I’m mid 50s and have about 100k in savings (total) and don’t expect to make much more money. I do have an almost paid off house.
I noticed that my Vanguard target date mutual fund (VFIFX) is basically just a collection of positions in other Vanguard mutual funds. For this, they charge a 0.08% fee. Seems cheap enough, but… The inner mutual funds (like domestic and international total markets, bonds, etc) also have their own f...Read more
I recently sold my rental property and have about 500k to invest. I also have some IRAs with more than 100k. One option I am thinking of going with is Vanguard's Personal advisor services so that they manage this money better. They charge 0.3% commission annually on the assets being invested. The ot...Read more
What do people usually choose? Edit: 5YOE, just been doing 401k past 4yrs and maxed out only in the past 2 years #personalfinance #investments #401k
New to investment. There are too many things to learn and many YouTube channels that have diverse opinions about different things. Any resource would you recommend to start and learn from beginning about these and when to use what? Called fedility advisor. They told me they can't suggest as they ar...Read more
The Chinese index funds seem like very cheap and china has lot of high quality companies, similar to America. I have loaded up some index funds for long term (5 to 10 Years) and targeting exit in 2030. What do you think the returns will look like in 2030 ? #investing
Hello! Currently my 401k is invested in a 2060 target date fund, ~60% of it is in Russell 1000, most of rest in international. My HSA is all cash right now and I want to invest that as well. My question is should I keep both the accounts in target date funds or make them s and p 500 and later rebal...Read more
Let’s say I keep putting my money in various target funds, sp500 through 401k. After I become 60, my funds become 2x. Now that I want to withdraw my 401k account and move that money into savings, would I have to pay capital gains tax as my investments have doubled?