Comments on: Target Retirement Is Meant As Solo Offering http://www.myretirementblog.com/target-retirement-is-meant-as-solo-offering.html Retire happy, healthy and wise. Thu, 21 Aug 2008 04:10:57 +0000 http://wordpress.org/?v=2.6.1 By: Jennifer http://www.myretirementblog.com/target-retirement-is-meant-as-solo-offering.html#comment-976 Jennifer Sun, 25 Feb 2007 16:09:08 +0000 http://www.myretirementblog.com/target-retirement-is-meant-as-solo-offering.html#comment-976 Wow, thanks db! Wow, thanks db!

]]> By: db http://www.myretirementblog.com/target-retirement-is-meant-as-solo-offering.html#comment-919 db Fri, 23 Feb 2007 04:51:52 +0000 http://www.myretirementblog.com/target-retirement-is-meant-as-solo-offering.html#comment-919 Jennifer: When I was reading the morningstar writeup on TRowePrice 2040 (TRRDX), which is where I have my Roth IRA, the article addressed this in a way. They were talking about TRRDX, but I don't see why it couldn't apply to Vanguard or whatever. Anyway, the comment was that in order for the asset allocation of the lifecycle to work properly, it was really intended to be the sole holding, but if it were not, that it should be at least 85% of the total holdings, meaning 15% or less could be in something else and not unduly compromise the lifecycle fund's inherent asset allocation. Based on what I know of the TRowePrice vs. Vanguard, my (totally unqualified!!) opinion is that TRRDX and VFINX, Vanguard's 2045 fund, are fairly similar in makeup (though I do prefer TRRDX personally) and that it's totally reasonable to want to have a little exposure to emerging markets outside of the Vanguard lifecycle fund. Anyway, I think if you have a little bit in emerging markets and maybe one or two other places you're ok, but I'd keep that 85/15 benchmark in mind. Jennifer:

When I was reading the morningstar writeup on TRowePrice 2040 (TRRDX), which is where I have my Roth IRA, the article addressed this in a way. They were talking about TRRDX, but I don’t see why it couldn’t apply to Vanguard or whatever.

Anyway, the comment was that in order for the asset allocation of the lifecycle to work properly, it was really intended to be the sole holding, but if it were not, that it should be at least 85% of the total holdings, meaning 15% or less could be in something else and not unduly compromise the lifecycle fund’s inherent asset allocation.

Based on what I know of the TRowePrice vs. Vanguard, my (totally unqualified!!) opinion is that TRRDX and VFINX, Vanguard’s 2045 fund, are fairly similar in makeup (though I do prefer TRRDX personally) and that it’s totally reasonable to want to have a little exposure to emerging markets outside of the Vanguard lifecycle fund.

Anyway, I think if you have a little bit in emerging markets and maybe one or two other places you’re ok, but I’d keep that 85/15 benchmark in mind.

]]> By: retirehappy http://www.myretirementblog.com/target-retirement-is-meant-as-solo-offering.html#comment-554 retirehappy Wed, 14 Feb 2007 02:56:34 +0000 http://www.myretirementblog.com/target-retirement-is-meant-as-solo-offering.html#comment-554 I'm afraid I don't know because I'm not a financial planner or analyst or anything like that, I personally have the same thing going on (I have some in target retirement and emerging markets and some others) but Walter Updegrave would disapprove. :) I’m afraid I don’t know because I’m not a financial planner or analyst or anything like that, I personally have the same thing going on (I have some in target retirement and emerging markets and some others) but Walter Updegrave would disapprove. :)

]]> By: Jennifer http://www.myretirementblog.com/target-retirement-is-meant-as-solo-offering.html#comment-552 Jennifer Wed, 14 Feb 2007 01:10:20 +0000 http://www.myretirementblog.com/target-retirement-is-meant-as-solo-offering.html#comment-552 Most of my retirement money is in a Target fund at Vanguard, but I also have a small amount in their emerging markets index fund. Does that sound good? I'm not sure why I decided to move some money in there, except that the Target 2035 fund didn't seem to have a lot of exposure to emerging markets. Most of my retirement money is in a Target fund at Vanguard, but I also have a small amount in their emerging markets index fund. Does that sound good? I’m not sure why I decided to move some money in there, except that the Target 2035 fund didn’t seem to have a lot of exposure to emerging markets.

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