#date

Can someone explain why target date funds are bad?

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Can someone explain why target date funds are bad? I’ve been putting in money in a schwab 2055 target date fund for the past decade and it has all the large, mid, small, and international holdings. I’m reading that if your investment has 7% or above in annual returns, then it’s fine. I also prefer to just have mutual or index funds that already have a set of holdings in it rather than choosing i…

Reddit Personal Finance 214 2023-07-05

Is it a bad idea to invest all of my 401k into a single Vanguard target date retirement fund?

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Is it a bad idea to invest all of my 401k into a single Vanguard target date retirement fund? Hello all, 24M with what’s probably a silly question: is it a bad idea to park all of the money going into my 401k into a Vanguard 2065 target retirement fund? I’ve been reading around Reddit and it seems some a lot of people think that these funds are too conservative for people my age, but the sidebar in this subreddit recommends them. Am I ov…

Reddit Personal Finance 259 2023-07-04