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re: Just opened my first Roth IRA, now what?
Posted on 10/24/19 at 11:41 am to Phate
Posted on 10/24/19 at 11:41 am to Phate
I'm just reading through this (and yes realize it's an old thread) but saw some negativity on target date funds. I opened a Roth on my own in my mid 20s and am now early/mid 30s, it's a target date fund through Vanguard. Waht is the knock on those and why is that not suggested?
2
Posted on 10/24/19 at 11:52 am to WG_Dawg
quote:
it's a target date fund through Vanguard. Waht is the knock on those and why is that not suggested?
1) You can't get a target date fund that is 100% stocks. I think the most aggressive split is 90/10.
2) The bond percentage of target date funds increases as you get older without your control (which is exactly why many like it).
But I think the prevailing view of many people who know a little bit about that market is that you're ok with a 90-100% stock allocation into your 40s.
Short answer: They are not aggressive enough so you're missing out on early gains.
This post was edited on 10/24/19 at 11:53 am
Posted on 10/24/19 at 12:33 pm to WG_Dawg
I’ve posted links before on cons of target date funds. Just do a search and you’ll see why.
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