2J.·

For someone who is looking to build their investment portfolio specifically for #retirement aren't target date funds the easiest and best option?

I know it means less control but if it can spare the headache of rebalancing and picking funds... why not?

Do you consider investing in a #targetdatefund ? If any, what are the downsides according to you?

In the picture you can see how assets are allocated throughout the investing period.

Would love to hear your opinion :)

16 Kommentare

Raphael Steil@TheRealRapha

2J.

I like the idea of target-date funds, which are optimized on specific time range, which can be interesting and usually can be better than for DIY that pick on past performance.

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Lorenzen@TerribleTrader

2J.

It’s lambos or food-stamps, why been rich and old when you can be poor and young

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Gqnina@Gqnina

2J.

@Terribletrader I'd rather be old and rich than old and poor :D

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Lorenzen@TerribleTrader

2J.

@Eunoia boomer

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Pope Donkey XXI@DonkeyInvestor

2J.

Interesting. How does it work? What are the costs?

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Gqnina@Gqnina

2J.

@DonkeyInvestor The fund is a collection of other Vanguard index funds to create the perfect asset allocation for your age and retirement target date. It starts with a 90/10 allocation between stocks and bonds for the first 20 years and then slightly shift to more bonds and less stocks until you retire (and further). The costs are super low, for example the one I mentioned is only 0,16%.

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Gqnina@Gqnina

2J.

@DonkeyInvestor I have added a picture to my post for more clarity :)

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Pope Donkey XXI@DonkeyInvestor

2J.

@Eunoia what about the exit strategy? What are the costs for selling?

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Gqnina@Gqnina

2J.

@DonkeyInvestor There's no exit charge. Are there other costs I should consider?