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Reload this Page Lifecycle Funds vs Choosing your own asset allocation??? (invest, income, stocks)
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Old 05-17-2008, 11:35 PM
 
Location: Hampton Roads
62 posts, read 247,350 times
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Anyone have any thoughts on chosing a lifecycle fund vs choosing your own asset allocation mix for retirement purposes?
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Old 05-18-2008, 10:29 AM
 
Location: Bayside, NY
823 posts, read 3,474,494 times
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If you just want to set it and leave it alone then a Target Retirement fund is better then a Life Cycle fund. Target Retirements adjust the Asset Allocation the nearer the fund comes to it's retirement date while the Life Cycle funds have a fairly constant allocation.

If you prefer to take an active part (as I do) in your portfolio you choose your own asset allocation re balancing according to your plan.
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Old 05-18-2008, 11:30 AM
 
Location: Marietta, GA
857 posts, read 4,630,389 times
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What's wrong with doing both? I have a large chunk of my portfolio in individual stocks but i am now putting more of my present income into Target retirement funds. Why? Because I don't have the time to watch the stocks every day so why not invest in a fund and let someone do it for you? We'll see which of us do better, me or the fund manager!
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