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re: Is it bad to open an IRA through your bank..
Posted on 2/13/13 at 9:52 am to hiltacular
Posted on 2/13/13 at 9:52 am to hiltacular
That sounds like a little better idea than stepping to big leagues now. I did see on the vanguard site they have a 'target date fund', maybe I'll just do that instead.
Posted on 2/13/13 at 10:28 am to WG_Dawg
"Target date" and "target retirement" funds are basically the same thing. Usually they are a mix of the firm's US stock and bond index funds. As you get closer to the target date the mix shifts more toward bonds.
This isn't perfect (there's a lot going on in the world besides just US stocks and bonds) but IMO it is pretty reasonable for those who have no idea what to do.
This isn't perfect (there's a lot going on in the world besides just US stocks and bonds) but IMO it is pretty reasonable for those who have no idea what to do.
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