Most investors seek to reduce risk as they near retirement, so in theory, the investment known as a “Target Date” Fund seems like a fit. Every year you own the fund, the allocation changes from the stock side of the portfolio to the BOND side of the portfolio. Target date funds are at particular risk when markets are high and interest rates are low. It sets up the “double whammy”when the market reverses. TARGET-DATE FUNDS ARE appealing for investors who desire a one-stop retirement savings solution, but there are risks. The big question: do they fit into your plan as you transition from ACCUMULATING assets — to SPENDING them in retirement? Should you hang on– or ditch your Target Date funds? If retirement is getting closer, now’s the time to think about how, or IF, target date funds fit your investing strategy. Today, we’ll do a deep dive into Target Date funds so that you can decide for yourself. An important and timely show you don’t want to miss….MASTERING MONEY is on the air!!!
Mastering Money 4/8/21
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About IQ Wealth®
At IQ Wealth, we believe smarter planning is the key to a more trouble-free retirement. Our unique process, Smarter Bucketing™ helps our clients simplify and clarify their finances. Bucket planning is a common-sense system of allocating money according to its purpose. When each dollar in your portfolio has a job to do—and a timeline for getting it done—your financial plan is more clear and realistic.
Today’s crazy markets are leaving many folks wondering where and how to allocate their money. Rather than placing faith in the whims of the market, the IQ Wealth approach is clearly defined and systematic. Our fee-only approach to equity management means that when YOU do better, we do better. Your best interests always come first at IQ Wealth–no exceptions, no excuses. Learn how our systematic approach to high quality dividend growth and technology stocks alongside guaranteed fixed income solutions may contribute to your future success. It's opportunity time. Let’s get to work!
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