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re: American Funds - Retirement Advice
Posted on 12/9/12 at 8:59 pm to Joshjrn
Posted on 12/9/12 at 8:59 pm to Joshjrn
Target date is probably the way to go. The basic funds are not that diversified. Therefore, you would need several to cover your bases. To start out 3 might work, but as your account gets bigger greater diversification would be better.
1
Posted on 12/9/12 at 9:04 pm to Janky
Now that I'm looking closely at them, that makes sense as the target date funds are essentially funds of funds.
For funds like these, what should be my target age? I'm assuming 60 as 59.5 is the withdrawal age, but I'm just guessing.
Also, I assume there is no penalty for changing my portfolio, and I can do so at any time?
For funds like these, what should be my target age? I'm assuming 60 as 59.5 is the withdrawal age, but I'm just guessing.
Also, I assume there is no penalty for changing my portfolio, and I can do so at any time?
This post was edited on 12/9/12 at 9:06 pm
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