Do you still libility match if you use a target date fund?

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Cody
Posts: 862
Joined: Sun Dec 02, 2007 9:19 am
Location: Stillwater, Mn

Do you still libility match if you use a target date fund?

Post by Cody » Tue Nov 28, 2017 10:23 am

If you use either Target Date funds or Lifestrategy funds do you 1) have separate accounts (maybe money market or short term bonds) for various forseen expenses (think car) or 2) simple take your safe withdrawal and pay for things like forseen expenses from the fund itself.

In the name of simplicity it would seem #2 is easier (less accounts) but #1 is perhaps better some how.

If you do libility match and use target date/lifestrategy funds do you considered those separate funds as part of your asset allocation?

Thanks you,
Cody

MotoTrojan
Posts: 1881
Joined: Wed Feb 01, 2017 8:39 pm

Re: Do you still libility match if you use a target date fund?

Post by MotoTrojan » Tue Nov 28, 2017 4:55 pm

Cody wrote:
Tue Nov 28, 2017 10:23 am
If you use either Target Date funds or Lifestrategy funds do you 1) have separate accounts (maybe money market or short term bonds) for various forseen expenses (think car) or 2) simple take your safe withdrawal and pay for things like forseen expenses from the fund itself.

In the name of simplicity it would seem #2 is easier (less accounts) but #1 is perhaps better some how.

If you do libility match and use target date/lifestrategy funds do you considered those separate funds as part of your asset allocation?

Thanks you,
Cody
If retired, I would probably just have monthly/quarterly automatic withdrawals, and a small cash buffer in my bank account just for simplicity.

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