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Grevious47 t1_je7sjg9 wrote

Id just use the target date fund with the date being your estimated retirement date. So if you think you will retire in 2060 go with the 2060 fund. Unless the expense ratio for those funds are very high relative to the other funds on offer.

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scrumblethebumble OP t1_je9nlo0 wrote

I think you’re right, I saw somewhere on the website about the fees being lower for target date funds. That’s what I’m going to do. Keep those fees off my profit.

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Grevious47 t1_jea3bgx wrote

Check the actual fees, target date funds are managed and usually have higher fees than unmanaged index funds. Though in some cases the fees are still very low so it isnt a big deal.

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