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ushaggerb · 10-28-2017, 11:33 PM

Most of the major Fund owners now offer Target Retirement funds. Rebalances every year . All include index funds: U.S index, Global index, Bond indices, even cash for older folks. Could go to a financial planner but if they didn’t recommend a Target Retirement fund, I’d probably drop them. And why pay to get a reco for something I’m already doing? Rules of Thumb: know your investment horizon, everybody regresses to the mean, focus on the efficient frontier, the avoidance of management fees generally places you in the 68th-72nd percentile because you are buying the mean for less, buying individual stocks is gambling (refer to efficient frontier).

Best of luck!

10-28-2017, 11:33 PM	#21
ushaggerb Senior Member Join Date: Apr 2010 Posts: 108 Blog Entries: 1 Thanks: 69 Thanked 30 Times in 22 Posts	Target Funds Most of the major Fund owners now offer Target Retirement funds. Rebalances every year . All include index funds: U.S index, Global index, Bond indices, even cash for older folks. Could go to a financial planner but if they didn’t recommend a Target Retirement fund, I’d probably drop them. And why pay to get a reco for something I’m already doing? Rules of Thumb: know your investment horizon, everybody regresses to the mean, focus on the efficient frontier, the avoidance of management fees generally places you in the 68th-72nd percentile because you are buying the mean for less, buying individual stocks is gambling (refer to efficient frontier). Best of luck!