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
Check out what your target date fund consists of. If you’re relatively far from retirement it will primarily be a mix of index funds anyways.
Target funds usually have higher expense ratio than index funds.
Check how target funds are managed. I noticed they are moreover actively managed. So it’s a no no. Just buy sp500 then. One more observation is, companies use names of vanguard target funds in 401k but the listed ones are different (ticker is different). In this case, I won’t even consider.
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If you don’t have a background in finance or sense of your risk tolerance, target funds are fine. If you use index funds you can express your own view on a particular market like emerging markets.