Post #218 by rayvt on the Retirement Investing board

Personal Finance Topics / Retirement Investing

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These target dates funds start out at high allocation to stocks and ramp down to more bonds and less stocks. Which is *opposite* to the studies that claim to show that it is better to ramp UP from low stock allocation to higher.

I dunno, these have always seemed to cater to people who are afraid of stocks and want the comfort of some "professional" to hand-hold their investments.

I set my grandkids accounts to half VASGX (80/20) and half VTI, for a net 90/10 asset allocation.

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