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Three great target date funds for your nest egg

Target date funds are all about setting a date, and forgetting all about it until retirement. New to the concept, and looking for some great investment firms to help you out with your plans? What makes a great target fund is that it doesn’t impede the retirement investment plan during its fund allocation processes. Growing your fund for retirement doesn’t have to be hard. Approach the right firms with the right intentions.

Here are a few great choices if you are looking to invest in target-date funds.

Vanguard Target Retirement 2050 Fund
What makes Vanguard great is that it’s an ideal mutual bond firm. It’s similar to your own personal investments, and easy track of it. It works like a mutual fund company and is majority owned by its investors, hence the low fund fees.
Their target date funds range in five-year increments (from 2020 to 2060) and they invest in only four indexes. The Total Stock Market, Total Bond Market, Total International Stock Market and finally, The Total International Bond. What makes it even more secure is that the plan is designed to create greater investment returns.
If you’re planning on buckling up and building your nest egg for your retirement years, then this one might be the best option for you.

BlackRock LifePath Index 2050
This plan uses index funds to minimize expenses and pass on the returns to their investors.
The LifePath fund manages their asset allocation by investing in the BlackRock & iShares branded index funds. There are about seven funds held together in their 2050 fund.
This plan starts out aggressively, with its 2055 fund holding 94% of its assets in stock in the beginning. As the years go by, it starts holding reducing its assets in stock. Finally, when nearing the years of retirement, that number falls down to only 40% in stock.
It’s one of the most conservative target-date funding plans. BlackRock keeps the investor’s retirement date in their best interests.

T. Rowe Price Target Retirement Funds
If you’re close to retirement, then the T. Rowe Price Target Retirement Funds might be suitable for you. It’s considered to be one of the most actively managed target date retirement funds.
Stock holdings drop to 20% of the portfolio 30 years after the retirement dates have crossed.
As a fund company, T. Rowe is an excellent choice for late starting investors. They charge a heavy expense ratio for their services, about 0.75% for its 2050 fund.

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