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Reply to "Investing in mutual funds by retirement date"
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[quote=Anonymous]Does anyone put their money in the mutual funds geared towards retirement “class dates,” even if the funds aren’t being saved for retirement? Seems to me to be a good way to separate out when you’ll need certain funds and how “safe” the investment is. Say you have $x that you’ll want for a down payment in 5 years, would you put it in a mutual fund geared towards the retirement class of 2020? Seems like it would be a good way to get some growth (i.e. more than a CD/savings account) but without taking the same risks you would for funds that you don’t need for 20 years (bc those mutual funds are being managed for the goals of a 60 yr old who needs the money fairly soon). Anyone do this?[/quote]
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