Search found 73 matches

by JB2013
Thu Apr 20, 2017 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me understand my Xray morningstar box
Replies: 8
Views: 454

Re: Please help me understand my Xray morningstar box

A much better idea would be to just buy a total stock market index fund. The more likely area for diversification would be to add a total international stock market index fund. Picking funds is premature if you haven't thought through your asset allocation to start with. Is this in a retirement pla...
by JB2013
Thu Apr 20, 2017 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me understand my Xray morningstar box
Replies: 8
Views: 454

Re: Please help me understand my Xray morningstar box

So I've done some reading about utilizing this xray Morningstar box, and I recall seeing the "preferred box" somewhere online, but now I can't find it. I think my numbers now mostly reflect what I was trying to copy. I'm wondering if these are "good" numbers to have and if I sho...
by JB2013
Thu Apr 20, 2017 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me understand my Xray morningstar box
Replies: 8
Views: 454

Please help me understand my Xray morningstar box

So I've done some reading about utilizing this xray Morningstar box, and I recall seeing the "preferred box" somewhere online, but now I can't find it. I think my numbers now mostly reflect what I was trying to copy. I'm wondering if these are "good" numbers to have and if I shou...
by JB2013
Wed Apr 12, 2017 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Put $6,500 bonus check to pay off car or max out Roth for the year?
Replies: 29
Views: 1696

Re: Put $6,500 bonus check to pay off car or max out Roth for the year?

Thanks for people's comments. It's helpful to have more things to think about for my situation. I think part of the problem is that I've been grounded in such a "get out of debt" mentality that it's difficult to think of doing something else. I've listened and read up on some of Dave Ramse...
by JB2013
Tue Apr 11, 2017 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: Put $6,500 bonus check to pay off car or max out Roth for the year?
Replies: 29
Views: 1696

Re: Put $6,500 bonus check to pay off car or max out Roth for the year?

If you paid off your car would you sustainably use that car payment amount toward investing? Or would you be tempted to 'spend' that money. If you're tempted to 'spend' it, for some people it's better not to pay off the loan and invest the free cash today since it keeps you accountable long term. I...
by JB2013
Tue Apr 11, 2017 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Put $6,500 bonus check to pay off car or max out Roth for the year?
Replies: 29
Views: 1696

Re: Put $6,500 bonus check to pay off car or max out Roth for the year?

Just checking, could you be a candidate for a Traditional IRA? Then you get a tax deduction which you can put toward the debt while also getting to save for retirement. What is your tax bracket? My tax bracket is 15%. I never looked much into the Traditional just because I assumed doing the Roth ma...
by JB2013
Tue Apr 11, 2017 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Put $6,500 bonus check to pay off car or max out Roth for the year?
Replies: 29
Views: 1696

Re: Put $6,500 bonus check to pay off car or max out Roth for the year?

Blender wrote:If it was me I'd pay off your car loan, then apply the payments you would have made each month for the two car payments towards the student loans. Snowball it.


Would you be concerned though if missing out on Roth contributions? I always hear people talk about once you lose it it's gone.
by JB2013
Tue Apr 11, 2017 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Put $6,500 bonus check to pay off car or max out Roth for the year?
Replies: 29
Views: 1696

Re: Put $6,500 bonus check to pay off car or max out Roth for the year?

Thanks everyone for their input. I think I just get so frustrated with how behind I feel in the game, so feel the need to just dump everything in the Roth despite having some debt. I read some posts on here of those who are younger than me, having 100-200K in their retirement already, and I say, &qu...
by JB2013
Tue Apr 11, 2017 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Put $6,500 bonus check to pay off car or max out Roth for the year?
Replies: 29
Views: 1696

Re: Put $6,500 bonus check to pay off car or max out Roth for the year?

Not enough info. Do you have an emergency fund? Age? Does your wife have a Roth too? I would use the bonus money to get out of debt. Contribute something to a Roth(s) but don't ignore the debt either. I suppose I should have added more info...sorry about that... Wife and I are both 32 yrs old. Emer...
by JB2013
Tue Apr 11, 2017 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Put $6,500 bonus check to pay off car or max out Roth for the year?
Replies: 29
Views: 1696

Put $6,500 bonus check to pay off car or max out Roth for the year?

I get two bonuses throughout the year for earning more than what my company gives me, and by estimation they'll owe me around $6,500 which is paid out the middle of next month. I put my $3,800 tax return towards my wife's car and will get to pay that off this Friday (finally!). I have my car which h...
by JB2013
Sun Jan 29, 2017 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Help with allocating debt vs investing with increase in pay
Replies: 52
Views: 3480

Re: Help with allocating debt vs investing with increase in pay

I guess you kinda lost me there, lol. I guess my biggest question is with my refund of around 4K, do I put this into my Roth in order to not lose this contribution, or put it towards the higher interest rate student loan debts? I will be putting my extra earned income towards debt, but wondering wi...
by JB2013
Sun Jan 29, 2017 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Help with allocating debt vs investing with increase in pay
Replies: 52
Views: 3480

Re: Help with allocating debt vs investing with increase in pay

And I know this is totally non "Boglehead" style, but please convince me to not put this money into my Roth either. It's so tempting to just take this 4K and just put it away. Almost pains me to see this money vanish before my eyes...ugh.... The way to prevent the money from vanishing is ...
by JB2013
Sat Jan 28, 2017 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help with allocating debt vs investing with increase in pay
Replies: 52
Views: 3480

Re: Help with allocating debt vs investing with increase in pay

And I know this is totally non "Boglehead" style, but please convince me to not put this money into my Roth either. It's so tempting to just take this 4K and just put it away. Almost pains me to see this money vanish before my eyes...ugh....
by JB2013
Sat Jan 28, 2017 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help with allocating debt vs investing with increase in pay
Replies: 52
Views: 3480

Re: Help with allocating debt vs investing with increase in pay

Thanks for everyone's help. I really appreciate it. So I have a question on where best to put my tax refund. I will be getting back around $4000 with my federal and state combined. I'm wondering do I put this towards my two loans with the higher interest rate, wiping out one of them completely. Or ...
by JB2013
Sat Jan 28, 2017 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help with allocating debt vs investing with increase in pay
Replies: 52
Views: 3480

Re: Help with allocating debt vs investing with increase in pay

Thanks for everyone's help. I really appreciate it. So I have a question on where best to put my tax refund. I will be getting back around $4000 with my federal and state combined. I'm wondering do I put this towards my two loans with the higher interest rate, wiping out one of them completely. Or d...
by JB2013
Sat Jan 21, 2017 7:33 am
Forum: Investing - Help with Personal Investments
Topic: Help with allocating debt vs investing with increase in pay
Replies: 52
Views: 3480

Re: Help with allocating debt vs investing with increase in pay

But 5% is "high interest rate" loans? Not even close...... 20% (ala credit cards) is high interest. I shudder to think what HR-block charges for a refund check advance or what car title loans are. Those are borderline usurious. 5% is within spitting distance of a rate on a 30 year fixed m...
by JB2013
Thu Jan 19, 2017 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: Help with allocating debt vs investing with increase in pay
Replies: 52
Views: 3480

Re: Help with allocating debt vs investing with increase in pay

How comfortable are you at the end of the month ? How do you estimate your "risk" of an emergency ? For example, if you were driving a very old car with a long commute, that would put you more at risk than if your car is new or if you walk to work. Or, do you have young children ? Does yo...
by JB2013
Wed Jan 18, 2017 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Help with allocating debt vs investing with increase in pay
Replies: 52
Views: 3480

Re: Help with allocating debt vs investing with increase in pay

Mental accounting. Consider your existing Roths as "emergency funds" and use any leftover money you have now to pay down the highest rate debts. As you knock out the higher interest rates, split the cash 1/2 to debts 1/2 to Roths. No sense in building an EF while paying high interest rate...
by JB2013
Wed Jan 18, 2017 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Help with allocating debt vs investing with increase in pay
Replies: 52
Views: 3480

Re: Help with allocating debt vs investing with increase in pay

Phase out for what exactly? And what 65K are you referencing exactly? I guess I just wasn't sure if the previous poster recommends I take some of my contributions from the FFNOX and put them in a short term bond fund for emergency fund money. I'm wondering do I just leave the FFNOX funds where they...
by JB2013
Wed Jan 18, 2017 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help with allocating debt vs investing with increase in pay
Replies: 52
Views: 3480

Re: Help with allocating debt vs investing with increase in pay

I wouldn't touch your existing investment to make it an emergency fund Going forward consider something like this with the $650. 200 Roth 250 emergency (online savings 0.75%-1% interest) 200 debt of your choice. Or 450 Roth 200 debt Or 250 Roth 400 debt And when you say "Roth", do you mea...
by JB2013
Wed Jan 18, 2017 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: Help with allocating debt vs investing with increase in pay
Replies: 52
Views: 3480

Re: Help with allocating debt vs investing with increase in pay

With you now having a gross salary of 87k, most likely you will not be able to write off the interest from the students loans or very little. The cap is 80k I believe. Just something else to think about, which may make you decide to pay off the student loans faster. Wow. Thanks for that info about ...
by JB2013
Wed Jan 18, 2017 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Help with allocating debt vs investing with increase in pay
Replies: 52
Views: 3480

Re: Help with allocating debt vs investing with increase in pay

Yes, that does make sense. Thanks for that. So if I contribute $4,000 to my FFNOX fund this year with fidelity, that means I can only contribute $1,500 to the Alliant Roth IRA, correct? The rest would have to go into a savings account? Am I following this right? Also, it sounds like the benefit of ...
by JB2013
Wed Jan 18, 2017 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Help with allocating debt vs investing with increase in pay
Replies: 52
Views: 3480

Re: Help with allocating debt vs investing with increase in pay

I agree with grabiner. I would put money into your Roth IRA to get at least 3 (and possibly 6) months of expenses in an emergency fund. That way you aren't missing out on Roth space and in the event of a true emergency you could take contributions out penalty and tax free. FFNOX is 70-85% Equity fr...
by JB2013
Wed Jan 18, 2017 5:47 am
Forum: Investing - Help with Personal Investments
Topic: Help with allocating debt vs investing with increase in pay
Replies: 52
Views: 3480

Re: Help with allocating debt vs investing with increase in pay

Thanks for the responses everyone. So would you recommend I stop contributing to my Roth IRA at this time? My investment is FFNOX. I agree with grabiner. I would put money into your Roth IRA to get at least 3 (and possibly 6) months of expenses in an emergency fund. That way you aren't missing out ...
by JB2013
Wed Jan 18, 2017 12:08 am
Forum: Investing - Help with Personal Investments
Topic: Help with allocating debt vs investing with increase in pay
Replies: 52
Views: 3480

Re: Help with allocating debt vs investing with increase in pay

Thanks for the responses everyone. So would you recommend I stop contributing to my Roth IRA at this time? My investment is FFNOX. I agree with grabiner. I would put money into your Roth IRA to get at least 3 (and possibly 6) months of expenses in an emergency fund. That way you aren't missing out ...
by JB2013
Tue Jan 17, 2017 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Help with allocating debt vs investing with increase in pay
Replies: 52
Views: 3480

Re: Help with allocating debt vs investing with increase in pay

Thanks for the responses everyone. So would you recommend I stop contributing to my Roth IRA at this time? My investment is FFNOX. See where you are in December, then make that decision. What is up with the 401k/403b? If either of you get a company match you should try to max those out. Depending o...
by JB2013
Tue Jan 17, 2017 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Help with allocating debt vs investing with increase in pay
Replies: 52
Views: 3480

Re: Help with allocating debt vs investing with increase in pay

Thanks for the responses everyone. So would you recommend I stop contributing to my Roth IRA at this time? My investment is FFNOX.
by JB2013
Tue Jan 17, 2017 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help with allocating debt vs investing with increase in pay
Replies: 52
Views: 3480

Help with allocating debt vs investing with increase in pay

I'm looking to get some help and feedback on where to allocate my funds that would make the most sense. My salary last year was around $74,450, but at the start of this year it jumped to $87K. This will give me roughly an extra $650 in take home pay per month. I am trying to decipher where it would ...
by JB2013
Wed Dec 14, 2016 12:56 am
Forum: Investing - Help with Personal Investments
Topic: Settling on FFNOX or Target date Index...which best for long run?
Replies: 7
Views: 818

Re: Settling on FFNOX or Target date Index...which best for long run?

Thanks for the responses. How much difference is there between the underlying funds comparing FFNOX and FIPFX?
by JB2013
Tue Dec 13, 2016 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Settling on FFNOX or Target date Index...which best for long run?
Replies: 7
Views: 818

Settling on FFNOX or Target date Index...which best for long run?

So I've decided to just go with a "set and forget" type approach for quite a while. I've done the math on the 3 fund vs FFNOX/target date fund, and the cost difference is so little I like the idea of just putting money in and forgetting about it. I'm having difficulty deciding between FFNO...
by JB2013
Sun Nov 27, 2016 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Why do Vanguard Target Funds rate higher than Fidelitys' on Morningstar?
Replies: 7
Views: 1185

Re: Why do Vanguard Target Funds rate higher than Fidelitys' on Morningstar?

BL wrote:Consider Fidelity Freedom INDEX funds. They may be harder to find.


That's what I was planning on. Looks like the Fidelity would be just fine based upon what I'm hearing
by JB2013
Sun Nov 27, 2016 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: What should the target amount to save up for college be?
Replies: 13
Views: 1840

Re: What should the target amount to save up for college be?

I have a 5 year old and have $40K in a Fidelity 529 plan at this point. I plan on adding more over time. I expect my 5 year old to get his bachelor's and probably a master's at some point. What I have not been able to figure out yet is what should the target amount be. Couple of questions: 1- What ...
by JB2013
Sun Nov 27, 2016 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Why do Vanguard Target Funds rate higher than Fidelitys' on Morningstar?
Replies: 7
Views: 1185

Re: Why do Vanguard Target Funds rate higher than Fidelitys' on Morningstar?

Why would anyone be concerned about worthless morningstar ratings? See, e.g. https://www.bogleheads.org/forum/viewtopic.php?t=189663 Maybe Vanguard pays Morningstar more advertising and licensing fees than Fidelity? I'm not really concerned. I just was curious if I'm missing anything between the tw...
by JB2013
Sun Nov 27, 2016 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Why do Vanguard Target Funds rate higher than Fidelitys' on Morningstar?
Replies: 7
Views: 1185

Why do Vanguard Target Funds rate higher than Fidelitys' on Morningstar?

I like the idea of Index Target Funds as a means of simplicity, but I noticed that Morningstar gives Vanguard higher ratings for their index target funds compared to the ones at Fidelity. The trouble is I have my accounts with Fidelity, including my Roth IRA (which will be the Target Fund), my wife'...
by JB2013
Mon Oct 24, 2016 9:47 am
Forum: Investing - Help with Personal Investments
Topic: VIGIX or VINIX for large cap in 401K? Which should I choose?
Replies: 2
Views: 519

VIGIX or VINIX for large cap in 401K? Which should I choose?

I have the option of picking VIGIX or VINIX for my large cap in my 401K plan. I'm also investing in VMCIX (mid cap) and VSGIX (small cap). I've been trying to discern the differences between VIGIX and VINIX, but can't find much information on VIGIX. It looks at though historically VIGIX outperforms ...
by JB2013
Wed Oct 12, 2016 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Needing insight into why my 401K matching is structured this way...
Replies: 9
Views: 1063

Needing insight into why my 401K matching is structured this way...

I've been trying to get a hold of my benefits department to ask about this, but he's out of the office for a few weeks so can't consult with him. I'm trying to understand why the matching plan that I have is designed this way, or if I'm missing something here. To help illustrate, here's some informa...
by JB2013
Sun Oct 09, 2016 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand: Why 3 fund over FFNOX? [Fidelity Four-in-One]
Replies: 17
Views: 2500

Re: Help me understand: Why 3 fund over FFNOX? [Fidelity Four-in-One]

Thanks guys for the feedback. I think the simplicity for now sounds good. So any reason why you would choose FFNOX over the fidelity freedom index. The only major differences I note is 90% in stocks for the freedom fund and FFNOX lacking emerging markets. Anything else I should take into considerat...
by JB2013
Sun Oct 09, 2016 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Help me understand: Why 3 fund over FFNOX? [Fidelity Four-in-One]
Replies: 17
Views: 2500

Re: Help me understand: Why 3 fund over FFNOX? [Fidelity Four-in-One]

My rule of thumb is FFNOX until the balance is greater than $50,000. Each account minimum is $10,000, and so to be sure I'm unlikely to float below that threshold in a down market, I want to have $15,000 as my smallest account. So, $50,000 is a safe amount for most AA. Simplicity has its charms. Th...
by JB2013
Sun Oct 09, 2016 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Help me understand: Why 3 fund over FFNOX? [Fidelity Four-in-One]
Replies: 17
Views: 2500

Re: Help me understand: Why 3 fund over FFNOX? [Fidelity Four-in-One]

Their Freedom Index funds are well worth considering too. I was considering these too until someone sent me the link of this: https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2016&lastMonth=12&endDate=09%2F18%2F2016&...
by JB2013
Sat Oct 08, 2016 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand: Why 3 fund over FFNOX? [Fidelity Four-in-One]
Replies: 17
Views: 2500

Re: Help me understand: Why 3 fund over FFNOX? [Fidelity Four-in-One]

Thanks everyone for their comments and feedback. I appreciate it. I think after some consideration I will just go with the FFNOX fund for now until my fund has increased in value and then I can go with the individual index funds that I see as appropriate. I think this will help where I can focus mos...
by JB2013
Sat Oct 08, 2016 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand: Why 3 fund over FFNOX? [Fidelity Four-in-One]
Replies: 17
Views: 2500

Re: Help me understand: Why 3 fund over FFNOX?

JB2013, here's a little exercise for you. Three of us independently tried to calculate the overall expense ratio for the three-fund portfolio, and we got three different answers. jjface got 0.0652%, I got 0.0695%, and Duckie got two answers of 0.122% and 0.044%. I think you should make sure you und...
by JB2013
Sat Oct 08, 2016 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand: Why 3 fund over FFNOX? [Fidelity Four-in-One]
Replies: 17
Views: 2500

Re: Help me understand: Why 3 fund over FFNOX?

If I were to go the three fund approach, I would be at .045+.15+.08. This totals .275. The four in one FFNOX fund at Fidelity has an expense ratio of .11, which costs less than the three fund approach. So, why wouldn't someone for cost and simplicity sake do the FFNOX? Just to pile on: First, the e...
by JB2013
Sat Oct 08, 2016 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand: Why 3 fund over FFNOX? [Fidelity Four-in-One]
Replies: 17
Views: 2500

Help me understand: Why 3 fund over FFNOX? [Fidelity Four-in-One]

Hey everyone- I actually have two questions in one here that I'd like clarification on. Obviously there's a big push for the big three index funds for simplicity and cost. I'm with Fidelity and have 13K to play with. My thought is to purchase Total stock, Total bond, and Total international. My firs...
by JB2013
Mon Sep 19, 2016 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: Why do a target fund if the AA doesn't change for another 20-25 years?
Replies: 24
Views: 2399

Re: Why do a target fund if the AA doesn't change for another 20-25 years?

To complicate the issue a bit, why are you choosing Fidelity? You can choose any fund family, such as Vanguard, for your Roth. (Nothing against Fidelity, some people like their customer service more than Vanguard's). I'm with fidelity because that's where my other retirement account is and my wife'...
by JB2013
Mon Sep 19, 2016 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Why do a target fund if the AA doesn't change for another 20-25 years?
Replies: 24
Views: 2399

Re: Why do a target fund if the AA doesn't change for another 20-25 years?

The fund would be for my Roth IRA. I currently have the Fidelity Freedom 2050 fund with the high ER of .78. So, I can switch to the Fidelity Freedom Index Fund which has a .15 ER or the FFNOX with ER of .11. I've read about the emerging markets thing as well. The ER between the two seems like a was...
by JB2013
Sun Sep 18, 2016 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: Why do a target fund if the AA doesn't change for another 20-25 years?
Replies: 24
Views: 2399

Re: Target Fund Advantages

So let me throw this at you: I'm debating between FFNOX and FIPFX. THe FFNOX is the Four in one fund, with an ER of .11%. The FIPFX is the Target Index Fund 2050, which has an ER of .15%. Any thing I should be aware of between the two? FFNOX has 14% bonds and FIPFX has 9%. FFNOX has no emerging mar...
by JB2013
Sun Sep 18, 2016 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Why do a target fund if the AA doesn't change for another 20-25 years?
Replies: 24
Views: 2399

Re: Why do a target fund if the AA doesn't change for another 20-25 years?

jjface wrote:I'd go with ffnox and retain the flexibility to adjust AA yourself as you wish later on in life.


Can you elaborate on why you would pick this over the target fund I am debating between?
by JB2013
Sun Sep 18, 2016 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Why do a target fund if the AA doesn't change for another 20-25 years?
Replies: 24
Views: 2399

Re: Target Fund Advantages

So I've been learning a lot being on this website, but am curious why the pull towards target funds. I hear about this "set it and forget" it approach, but the AA doesn't change for several years down the road. I could easily do a total market and total bond and leave it the same for seve...
by JB2013
Sun Sep 18, 2016 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Why do a target fund if the AA doesn't change for another 20-25 years?
Replies: 24
Views: 2399

Re: Why do a target fund if the AA doesn't change for another 20-25 years?

So I've been learning a lot being on this website, but am curious why the pull towards target funds. I hear about this "set it and forget" it approach, but the AA doesn't change for several years down the road. I could easily do a total market and total bond and leave it the same for seve...
by JB2013
Sun Sep 18, 2016 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Why do a target fund if the AA doesn't change for another 20-25 years?
Replies: 24
Views: 2399

Why do a target fund if the AA doesn't change for another 20-25 years?

So I've been learning a lot being on this website, but am curious why the pull towards target funds. I hear about this "set it and forget" it approach, but the AA doesn't change for several years down the road. I could easily do a total market and total bond and leave it the same for sever...

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