Originally Posted by
APC225
Completely agree about index funds, and target date retirement funds are especially hands off. The closer in the fund's date, the more conservative it's managed. If you want more risk you can just pick a date decades away. I used a couple of these for most of my 401k/B Fund. I recently went to mostly cash, but wanted to see what a broker might do with some (10%) of my savings. A bit of an experiment.
I was surprised to see that the managed funds on average are being out performed by index funds. The target retirement or life cycle funds don't have the lengthy track record of the index funds so I'm curious in 20 years how they will compare.