Originally Posted by Bri Bri Burgs
Ok target2019, thank you so much. If I'm understanding everyone correctly, stay away from the target date funds and focus on low cost index funds...correct?
I think nun has a similar idea. This should give you a 10-year graph of three index funds.
You would allocate your contributions to those three funds, for example. If you look at your other account where you have a target fund, or look at a specific target date fund anywhere, you'll see exactly how that fund allocates things. Take a look at the 2060 fund, and click on the portfolio tab. That shows something like 90% allocated to stock mutual funds, and 10% to bond index fund. Read up on allocations, and see what level of risk fits you.
You can always change your choices...