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[quote=Anonymous]Lifecycle funds are not Roth IRAs.  A Roth IRA is a type of investment for retirement.  Within a Roth IRA, you can pick individual stocks, bonds, or funds such as the ones you've listed.

A lifecycle fund is one that will change its investment strategy over time based on a particular schedule.  So let's say you're 40 years old and you want to retire in 20 years.  You can pick a lifecycle fund with a target date of 20 years from now (2033) that will shift its investments over the next 20 years as you get closer to retirement.   All you have to do is pick the fund that is closest to your retirement date, and the company will do the work for you.

If you prefer to pick your own funds and change the strategy yourself, you'd go for some of the ones you've listed.

It sounds like you are pretty new to investing and so you might want to look at the lifecycle fund.  Also it's likely your employer has a help line that you can call to give you more information. Start there.[/quote]

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