Re: target retirement year
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You should also carefully review the costs of using the freedom funds and the performance of the underlying funds its composed of, before deciding whether using this fund is better than doing the balancing yourself with better performing funds.
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my question was really more of the different balances that people have. people should realize that the closer they are to retirement, the more they should favor stable investments. in some cases, it is wise to book your gains into that stable position.
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what if you're "diversified" into 66% international small cap and 33% US stocks? year 2245?
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i realize that you are joking, but this is really not the case. being in risky stocks is fine, but at some point you should be booking gains rather than leaving money in it. you don't play with your whole bankroll, do you?
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