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re: Should I change my Roth IRA fund?
Posted on 7/18/18 at 5:52 pm to GoCrazyAuburn
Posted on 7/18/18 at 5:52 pm to GoCrazyAuburn
I think the fund allocation is too simplistic and it should be more sophisticated as your nest egg grows and you get closer and closer to retirement. It also assumes your risk tolerance based only on your age.
The only asset allocation Vangurd does with these tgt retirement funds is they merely adjust the % of the funds as time goes on.
Simply owning 4 funds within the tgt retirement fund:
2 equity funds
- US broad mkt index equity index fund
- Intl. broad mkt equity index fund
2 bonds funds
- US bond mkt index fund
- Intl. bond fund index fund
Is a lackadaisical way to invest for retirement in my opinion.
The only asset allocation Vangurd does with these tgt retirement funds is they merely adjust the % of the funds as time goes on.
Simply owning 4 funds within the tgt retirement fund:
2 equity funds
- US broad mkt index equity index fund
- Intl. broad mkt equity index fund
2 bonds funds
- US bond mkt index fund
- Intl. bond fund index fund
Is a lackadaisical way to invest for retirement in my opinion.
2
Posted on 7/18/18 at 8:27 pm to tigerfan337
I don't get all the hate. I've got a Target date fund and then a separate account with total stock, international stock, and bonds
I'm just wanting steady growth without extreme risk of losses.
Nothing wrong with the target dates in my opinion.
If the argument is that the target dates aren't 99% stocks or whatever then I get that I guess. My target is 90% stocks right now.
I'm just wanting steady growth without extreme risk of losses.
Nothing wrong with the target dates in my opinion.
If the argument is that the target dates aren't 99% stocks or whatever then I get that I guess. My target is 90% stocks right now.
Posted on 7/19/18 at 8:44 am to tigerfan337
quote:
I think the fund allocation is too simplistic and it should be more sophisticated as your nest egg grows and you get closer and closer to retirement. It also assumes your risk tolerance based only on your age.
The only asset allocation Vangurd does with these tgt retirement funds is they merely adjust the % of the funds as time goes on.
That's fine, but that has nothing to do with your last post on asset allocation.
They are designed to be simplistic. They are designed to be as close to a dummy proof way to invest for retirement as you can. 4 index funds in a roth portfolio is not unreasonable. Sure, you can have more, but that isn't an unreasonable amount.
quote:
Is a lackadaisical way to invest for retirement in my opinion.
That is literally the point of them. If it is too simple for you, that is fine, but acting like that is why they are bad is just silly. The point of them is to be simple. It is a set it and forget it method for people that don't want to spend the time to learn or know they will be too impulsive.
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