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mathjak107 · 05-20-2007, 03:43 AM

i find the target funds work best if the money is put in all at once. they dont work well if your going to dollar cost average in. since markets rise 67% of the time and are only down 1/3 you will be buying in dollar cost averaging at usually higher and higher prices while at the same time the funds usually cutting stock allocations too as time goes on. end result is you usually will end up much more conservative then you may want to be if you dollar cost average in.

05-20-2007, 03:43 AM	#5
mathjak107 Thinks s/he gets paid by the post Join Date: Jul 2005 Posts: 2,792	i find the target funds work best if the money is put in all at once. they dont work well if your going to dollar cost average in. since markets rise 67% of the time and are only down 1/3 you will be buying in dollar cost averaging at usually higher and higher prices while at the same time the funds usually cutting stock allocations too as time goes on. end result is you usually will end up much more conservative then you may want to be if you dollar cost average in.