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Target Funds
- Target funds vs index funds 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
- Vanguard target fund - retirement What target funds do people use for retirement 401k saving? Do you really use ideal retirement year? Trying to understand if better right now to use safer fund since economy cannot stay this good forever.
- Is target date funds for 401k bad? 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.
- What’s the best Target Date Fund? Hey All, I wanted to put most of my net worth into a target date fund. What’s the best one? I’m debating between vanguard 2060 fund, fidelity 2060 fund and life path 2060. #personalfinance #investments
- VTSAX or vanguard target retirement fund I put my money into VFFVX - a 2055 Target date retirement fund. Noticed a lot of people saying they just do VTSAX - am I missing out on returns being in VFFVX? Do you not put anything in bonds/safer investments and why? I'm 28 btw, TC 250K
- vote 401k: choose targeted date or index funds? 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
- Tesla is targeting the dumb Index fund money. Tesla is expected to move to SP500 Index. So this bounce is nothing but to making sure the dumb money get what it deserve. All the folks who now invest in ETF route blindly, this time the hedge fund target is this dumb money. These hedge funds now Offload the junk stock to Index fund investors. Nice
- 401K - Keep Target Date Fund or Switch? Currently 22 years old, saw some people talk about how target date fund might not be the best since it has 10% bonds so early. Specifically Vanguard 2065 Target Date Fund. My reasoning for staying with it is that I don’t have to think about it so I guess it’s good psychologically? But also I don’t w
- Target date funds vs using financial advisors 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
- Are vanguard target retirement funds ok? 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.
- vote Abandoning target date funds for pure sp500 My target date fund through fidelity has almost 10x the expense ratio of good old FXAIX. International exposure seems pointless these days with how connected the global economy already is to the US. Am I dumb for going 100% FXAIX for my personal brokerage and 401k and IRA’s? When I hit like 40 I’
- Where to invest? target date fund vs index I have recently opened Roth IRA with fidelity, confused between target date fund vs index funds like SPY or QQQ or voo or nasdaq. Which one to pick? #personalfinance #investments
- Vanguard target date retirement fund vs select your own Vanguard target date retirement fund has an expense ratio of 0.05 and vtiax total international stocks had an expense ratio of 0.11. Isn’t the latter expensive? Target date fun d includes this so why do people buy individual funds rather than target date? Aside from being able to control the breakdo
- vote 401k : vanguard target-date funds vs. s&p 500? 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
- Resources to learn about personal finance options - ETFs, bonds, target funds, stocks, mutual funds for beginners? 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
- Does it make sense for me to switch out of my target date fund? I’m 22 and I’m maxing out my 401k at $19,500 as well as $6000 in my Roth IRA. I’m wondering if it’s better for me to switch from my Vanguard Target 2065 fund to an all equities portfolio. I mean I have a timeline of 40+ years so bonds don’t really make sense which is why I want to drop the target d
- vote What investment option do you suggest? Target Date Funds vs Core Funds
- Amazon 401k My current fund is terrible. Vanguard target 2060. Any good funds out there? I’m tired of being in the red. #investments
- Fidelity Roth IRA suggestions ? Hi, I am happy with my target date 2045 fund for my 401K account with fidelity (attached below). How can I mimic the same selection for Roth IRA? They said target date 2045 does not exist for Roth. Or is there a better one you may suggest ?#personalfinance #investments #retirement #fidelity #amazon
- Fidelity 401k best funds?? What are the best funds available for investing 401k money in fidelity for linkedin or investing in target retired funds.
- HSA Advise I have ~25k eligible for investment in my HSA account. Two of low cost funds available are VIIIX and VBMPX. Any recommendation on which fund to choose (or a combination). Other funds available are high cost Target funds.
- 401k plan Vanguard target retirement 2050 trust or T. Rowe price retirement 2050 fund?
- Which vanguard 401k fund should I choose? The default is target retirement 2055 trust select. Which fund do you use?
- HSA investment advise I have ~25k eligible for investment in my HSA account. Two of low cost funds available are VIIIX and VBMPX. Any recommendation on which fund to choose (or a combination). Other funds available are high cost Target funds.
- What is a good 529 plan? I am planning to invest in 529 plan. Any advice as to which fund is better than the other? Vanguard target fund seems a good choice. Please help with your suggestions.
- vote MSFT to quant hedge fund… upgrade downgrade or lateral Kinda want to move to NYC. Should I target tech or hedge funds? TC: ~200k #Microsoft #twosigma #hrt
- 401k funds How do you guys manage your 401k funds? Until recently dint know that I can open a brokerage account and have some funds in this account to buy stocks of my choice. For a long time was just contributing towards target fund. Now that I have the brokerage account, would like to know of some solid fun
- Index funds are the next bubble? Recently, I've been hearing so called "experts" saying things like: index funds are the next bubble, index funds are a massive misallocation of capital, etc. Investing in index funds puts more money in tobacco companies than into companies that need the money like Target, CVS, etc. What are people
- How to increase nw? Targeting 10mil at 45 for retirement. Ideas please. Currently have net worth of 1.5m. Me 31years old and wife 27. Wife working in tech as well and combined tc 450k. Have two houses in Seattle east side brk area with one cash flow positive. Already invested in stock and funds . Missed the crypto trai
- DUMB 401K Move When the stock market was at an all time high before COVID I let my doomsday prepper personality take over and moved all my 401k to the bond fund. In hindsight, seems to be the most stupid move since it's one of the only fund to have 0 return in the past year. All the target retirement funds are at
- vote 401k rollover from previous employer Switched jobs and now time to rollover 401k plans .. previous employer used empower but was switching to with vanguard or fidelity... Plan to leave primarily in target retirement funds.. TOC: $180k
- Retirement Savings - What to do with $60k Hello, I have almost zero knowledge of retirement saving. I just hoard money, and dump whatever is matched into my 401k for a target fund. I have $60k in cash I want to additionally put away somewhere because with inflation, that money sitting in my savings acct at a bank is seriously depreciating.
- Moving 401k to cash Is there any penalty for selling shares in a "target 20XX" fund and moving it to money market? Is there a ime constraint on being able to rebuy? Anyone else considering doing this? Market seems to be trending down still.
- 401K - Low Rate of Return Hi, I am investing in target funds but have very low rate of return. Current YTD Rate of Return - +8.04% Company - Amazon Platform - Fidelity What % blend do you guys invest in? #personalfinance #investments
- 100% on S&P500 for my 401k? New grad here. Just enrolled into my 401k. Read that target date fund is bad. I chose SP500 with 0.01 expense ratio for my 401k right now. Not sure if I should diversify it? My company offer “Large Cap value index fund” and Large Cap Growth Index Fund” at 0.01% but not sure what they are? Please h
- Investment idea - Cash from rollover IRA I moved old employer 401k to IRA account and now I am sitting on 50k cash to invest. Please give your suggestions. ETF, Mutual fund, target date retirement funds, FAANG stocks. Should I wait for market crash before investing or just invest it right now.
- Best strategy to deploy $100k If you had $100k to deploy in the market for very very long term(12-15yrs) what would be your startegy? Would you go with target date funds? Actively manage and deploy over 4-6 months? Have it high interest bank and deploy in multiple ETFs or Funds pver 2-3 years? Or buy everything in lumpsum in a
- Director level equity? Looking to make the jump from a big corporation to a well funded startup at the director level. What should I be targeting in terms of equity?
- Does rebalancing 401k investments take place on same day/time? Suppose I rebalanced my portfolio with multiple investments (target funds to index funds) on a Thursday night. Which time/date will the transaction take place? And which cost will it consider, the ones that were on Thursday night or Friday morning when the market opened? #NoobInInvesting
- What fund for Roth IRA on Vanguard? Newbie here again. Setting up my Roth IRA and maxing it out. What fund I have to select though? Right now I selected the “Target retirement 20xx” fund but I don’t know if that’s the best option. Also it has a high risk class which kind of eliminates the sense of a retirement fund... shouldn’t that b
- Reduce stock portion in 401k? Currently I am using Target date fund in vanguard that puts 90% in stock. Given the bear market, shall I force lower percentage for stock? Have you guys done that?
- Startup vs Fortune 100 TC What kind of compensation change should one expect moving from a large org to a startup? e.g. Target to a venture funded growth stage company. TC 170~
- vote Do you change your 401k portfolio based on market fluctuations? I just buy a target fund and I don't change the frequency or amount I invest based on the market but I'm curious about what other people do.
- How is your 401k doing this year? What is your year-to-date return? What is your investment mix? I start: year to date return: 1.68% mix: target retirement fund with 90% on stocks and 10% on bonds.
- 401k status after lay off? I have recently got lay off. What happens to the 401k investments in sectors that are only offered by my [former] employer? I have fidelity and picked low cost index funds when I was employee. I am not sure if fidelity moves my money to some other expensive target funds that I not interested in.
- vote Super fund for legal immigration lobby effort You have made it but your immigration status sucks. How much are you willing to contribute ? Funds will be used for lobbying efforts with IV. Note, this is going to be super fund i.e. Target is to reach $10+ million, so no pocket change money. Contribute like your life depends on it because it doe
- 401K Allocations For folks in mid-30s, how does your 401K allocation look like? As a newbie, mine is set to Vanguard target retirement fund; which I feel not optimal. I was particularly looking for popular ETF options, but the Google / Vanguard retirement fund portfolio doesn’t enlist such options (or perhaps I miss
- What to invest in 401k? I'm in my 20s and not really sure what I should be allocating my 401k holdings to, all I know is I'm trying to max it out every year. I'm thinking of a target date retirement fund and s&p fund but is there anything else that could get higher gains? This allocation seems too simple/basic. #personalf
- Front loading 401k I will max out my 401k this month. Default is mostly vanguard target fund and doge and cox. I have the vanguard brokerage option where I can invest in any stock. What should I put my money in this month?#investments #personalfinance #401k
- Is changing 401K investments a taxable event? I enrolled in FB's 401K plan when I joined the company and chose to distribute my allocation into a bunch of Vanguard target date funds alongside a bond fund as well. Over the course of the past year, I have realized that my 401K portfolio performance has been rather dismal, mainly because of the bo