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.
Why assume? Either you are mid-50s or you aren’t. You should know that. Having said that, you should go all in IQ and HUYA (or BCH if this was 2 months ago). That’s the only real investment. Not.
It's very conservative even if you pick late target year.. good thing is low ER comparing to other target funds.. Create 3-4 fund portfolio using index funds.. you get better return
Don't see how it's conservative. Mine is currently like 90% stock for the 2055 one
I’ve made decent returns on retirement funds. With the exception of extraordinary stock picks like AAPL, it’s worked for me. You’ll probably need to work until you’re 70
I’m sticking with index funds only. Low management fees.