Comments on: Guaranteed Target Date Retirement Funds http://www.thedividendguyblog.com/guaranteed-target-date-retirement-funds/ One Guy's Journey to Passive Income Through Dividend Investing Fri, 10 Feb 2012 13:02:29 +0000 hourly 1 http://wordpress.org/?v=3.2.1 By: Patrick http://www.thedividendguyblog.com/guaranteed-target-date-retirement-funds/comment-page-1/#comment-54572 Patrick Tue, 28 Apr 2009 03:47:48 +0000 http://www.thedividendguyblog.com/?p=1710#comment-54572 I think you're crazy. Any way you slice it, a 0.08% difference in MER is negligible. You could be investing for 50 years and still lose less than 4% of your assets to fees. In the stock market, you could easily lose this much in any given week, and gain it back the next week. Many mutual funds would take this much in under two years! You'll lose a hell of a lot more than that just by keeping 20% of your portfolio in fixed-income investments. I think you’re crazy. Any way you slice it, a 0.08% difference in MER is negligible. You could be investing for 50 years and still lose less than 4% of your assets to fees. In the stock market, you could easily lose this much in any given week, and gain it back the next week. Many mutual funds would take this much in under two years!

You’ll lose a hell of a lot more than that just by keeping 20% of your portfolio in fixed-income investments.

]]> By: Camotop http://www.thedividendguyblog.com/guaranteed-target-date-retirement-funds/comment-page-1/#comment-54550 Camotop Tue, 21 Apr 2009 01:05:40 +0000 http://www.thedividendguyblog.com/?p=1710#comment-54550 There's so many of these, that I'd be worried the fund itself would be gone by the time you retire. Between the different funds' competition for your money, and as other have commented, the relative ease with which you can change your own asset allocation I wonder about the value add. Just, say once a year, shift to slightly less risk/more fixed income securities. There’s so many of these, that I’d be worried the fund itself would be gone by the time you retire. Between the different funds’ competition for your money, and as other have commented, the relative ease with which you can change your own asset allocation I wonder about the value add. Just, say once a year, shift to slightly less risk/more fixed income securities.

]]> By: Tea Party Support for those Teabaggers - and best weekly links | Darwin's Finance http://www.thedividendguyblog.com/guaranteed-target-date-retirement-funds/comment-page-1/#comment-54545 Tea Party Support for those Teabaggers - and best weekly links | Darwin's Finance Sun, 19 Apr 2009 20:50:32 +0000 http://www.thedividendguyblog.com/?p=1710#comment-54545 [...] Target Date Retirement Funds [...] [...] Target Date Retirement Funds [...]

]]> By: Manshu http://www.thedividendguyblog.com/guaranteed-target-date-retirement-funds/comment-page-1/#comment-54525 Manshu Wed, 15 Apr 2009 02:51:43 +0000 http://www.thedividendguyblog.com/?p=1710#comment-54525 I don't like these at all. I think it is a really over simplified concept. You can buy the funds that these fund of funds own directly, so I don't see why I should pay someone else to do that. I wrote about this a few months ago: http://www.onemint.com/2009/01/27/what-is-a-target-retirement-fund/ I don’t like these at all. I think it is a really over simplified concept. You can buy the funds that these fund of funds own directly, so I don’t see why I should pay someone else to do that.

I wrote about this a few months ago:

http://www.onemint.com/2009/01/27/what-is-a-target-retirement-fund/

]]> By: Best Dividend Stocks http://www.thedividendguyblog.com/guaranteed-target-date-retirement-funds/comment-page-1/#comment-54521 Best Dividend Stocks Mon, 13 Apr 2009 12:29:09 +0000 http://www.thedividendguyblog.com/?p=1710#comment-54521 Actually there is a way to balance your stock/fixed income allocation in a way that you cannot lose your principal when you retire. Actually there is a way to balance your stock/fixed income allocation in a way that you cannot lose your principal when you retire.

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