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.
Target funds optimize expected returns over that time. If retirement is 10 or more years out equities will be up and down but for the most part higher than today. The closer you are the more bonds you should have to hedge risk
I use vffvx 2055. If you really think the economy is gonna crash and want to take less risk then use one with an earlier retirement date. Probably not the best idea though
Invest in balanced funds or growth index funds instead of the target funds...
Not if you use a robo and want to tax harvest.
Tax harvesting doesn’t matter in a retirement account
VTHRX
Vrgwx
Just buy the S&P500 etf.
Why? Because people are lazy.