Are you confused about choosing investments in a company 401(k)? More than three-quarters of the plans try to solve the problem for you by offering target-date mutual funds – one-stop shopping for savers who want to simplify their lives. You can buy them for Individual Retirement Accounts, too.
I like these funds, but picking the right [...]
Posts Tagged ‘target-date funds’
- Target-date mutual funds: Are they still right for you?
- POSTED 01.15.11
The popular target-date mutual funds shocked investors after the 2008 market crash. People close to retirement saw a quarter or more of their savings wash away, in funds they mistakenly thought were “safe.”
I consider these funds terrific choices for retirement savings and, by all accounts, so do you. They’re still the most popular funds in [...]
- New Year’s resolutions: 5 ways to simplify your financial life
- POSTED 12.24.10
Make 2011 your year to simplify. The day I started to practice investment KISS (Keep It Simple, Sister*) was when I finally got control of my financial life. I dropped my broker, quit hunting for hot stocks and mutual funds (losers, all), and put my retirement money on automatic pilot. I chose an easy [...]
- The best deal in America: the target-date retirement fund
- POSTED 07.10.10
Target-date retirement funds took a bad rap during the 2008-09 market meltdown. Some investors apparently thought that they wouldn’t lose any money in the funds or that they were sure to be safe at the target date.
Misunderstandings like these show the need for more information about how target funds work. The Securities and [...]
- Primer on sensible investing
- POSTED 11.7.09
After the panic and crash of 2008, many investors decided that they had too much money in stocks. Maybe so, in some cases. But if you switch entirely to bonds or bank accounts, your retirement nest egg won’t grow, over the long term. In fact, its buying power will shrink, due to the pernicious effect [...]
