Toggle navigation
Toggle navigation
Home
DCUM Forums
Nanny Forums
Events
About DCUM
Advertising
Search
Recent Topics
Hottest Topics
FAQs and Guidelines
Privacy Policy
Your current identity is: Anonymous
Login
Preview
Subject:
Forum Index
»
Money and Finances
Reply to "Why do target date retirement funds have bonds?"
Subject:
Emoticons
More smilies
Text Color:
Default
Dark Red
Red
Orange
Brown
Yellow
Green
Olive
Cyan
Blue
Dark Blue
Violet
White
Black
Font:
Very Small
Small
Normal
Big
Giant
Close Marks
[quote=Anonymous][quote=Anonymous]I’m not retiring for 30+ years and I have a target date 2060 fund. Yet the allocation in fidelity shows I have slightly over 1% in cash and bonds. Why? Should be 0 IMO. The only reason I hold this fund is for international allocation because the dedicated international fund they offer has a much higher expense ratio of $4.50 per $1000 as opposed to $0.44 per $1000. The target date fund has a better ER but has stupid allocations (holding cash/bonds when you’re young). Should I just go all in the S&P 500 in my 401k instead? [/quote] I don't think you have to worry about the 1%--look more at the glide path after. Some people argue for taking a target date fund 5-10 years later than your retirement date if you prefer a lower bond allocation. I prefer a total market index over S&P500 personally.[/quote]
Options
Disable HTML in this message
Disable BB Code in this message
Disable smilies in this message
Review message
Search
Recent Topics
Hottest Topics
