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{"id":2105,"date":"2017-06-05T10:19:22","date_gmt":"2017-06-05T14:19:22","guid":{"rendered":"http:\/\/www.decisionfish.com\/?p=2105"},"modified":"2022-08-01T10:43:17","modified_gmt":"2022-08-01T14:43:17","slug":"retirement-investment","status":"publish","type":"post","link":"https:\/\/www.decisionfish.com\/retirement-investment\/","title":{"rendered":"My Super-Simple Retirement Investment Strategy"},"content":{"rendered":"<p>A 29-year old friend of mine asked me recently, &#8220;How do I get started investing for retirement?&#8221;* Since I prefer education and coaching to &#8220;advice&#8221;, here&#8217;s what I told him.<\/p>\n<p>For&nbsp;me, <strong>investments should be simple, cheap and take only smart risks.<\/strong> There are more than 9,000 <a href=\"https:\/\/investor.gov\/investing-basics\/investment-products\/mutual-funds\" target=\"_blank\" rel=\"noopener noreferrer\">mutual funds<\/a> out there. How do I choose one? I use these criteria:<\/p>\n<ol>\n<li><strong>Type: <\/strong>I look for a<a href=\"https:\/\/investor.gov\/additional-resources\/news-alerts\/alerts-bulletins\/target-date-retirement-funds\"><strong> Target Date Retirement Fund<\/strong><\/a> around the year I intend to retire<strong>.<\/strong>&nbsp;Target Date Retirement Funds automatically change their allocations to stocks, bonds and cash over time so that you take less risk as you age.&nbsp;<img loading=\"lazy\" decoding=\"async\" class=\"size-large aligncenter\" src=\"https:\/\/i0.wp.com\/www.sec.gov\/images\/tdf1.gif?resize=506%2C216&#038;ssl=1\" width=\"506\" height=\"216\"  data-recalc-dims=\"1\">\n<ol class=\"wp-caption aligncenter\" style=\"width: 506px;\">Typical glide path for target-date funds. Over time, your investment becomes less risky because there are fewer stocks and more bonds (and cash). Source: SEC<\/ol>\n<\/li>\n<li><strong>Fees:&nbsp; Less than 0.75%, &#8220;No-Load.&#8221;<\/strong>&nbsp;Management fees are what you pay the company providing the investment to select and hold the securities in the fund. &#8220;No-load&#8221; means you pay no fees to make each&nbsp;investment.<\/li>\n<li><strong>Minimum Investment: Not more than $1,000.&nbsp;<\/strong>Obviously, you want to make sure you can make the first investment!<\/li>\n<li><strong>Turnover: &lt;25%.<\/strong>&nbsp;Turnover measures how frequently the manager trades the securities in the fund. For example, 100% turnover means that the manager trades each security once, on average, each year. Low turnover keeps expenses and taxes lower.<\/li>\n<\/ol>\n<p>Next, I put these criteria a screener like <a href=\"http:\/\/screen.morningstar.com\/FundSelector.html\">Morningstar&#8217;s<\/a> to create a short list.<\/p>\n<figure id=\"attachment_2122\" aria-describedby=\"caption-attachment-2122\" style=\"width: 607px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/www.morningstar.com\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-2122 size-full\" src=\"https:\/\/i0.wp.com\/www.decisionfish.com\/wp-content\/uploads\/2017\/04\/Morningstar-1.png?resize=617%2C518&#038;ssl=1\" alt=\"Morningstar's basic fund screener. \" width=\"617\" height=\"518\" srcset=\"https:\/\/i0.wp.com\/www.decisionfish.com\/wp-content\/uploads\/2017\/04\/Morningstar-1.png?w=617&amp;ssl=1 617w, https:\/\/i0.wp.com\/www.decisionfish.com\/wp-content\/uploads\/2017\/04\/Morningstar-1.png?resize=300%2C252&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.decisionfish.com\/wp-content\/uploads\/2017\/04\/Morningstar-1.png?resize=192%2C161&amp;ssl=1 192w\" sizes=\"(max-width: 617px) 100vw, 617px\" data-recalc-dims=\"1\" \/><\/a><figcaption id=\"caption-attachment-2122\" class=\"wp-caption-text\">Morningstar&#8217;s basic fund screener. You&#8217;ll need to choose the Target-Date year (2050 above) that&#8217;s closest to the year when you expect to retire.<\/figcaption><\/figure>\n<p>Then, I look for other outsized risks, fees, longevity, size and other issues to make the list even shorter. Here&#8217;s what I ended up with recently:<\/p>\n<ul>\n<li><strong>Vanguard Target Retirement 2050 Fund Investor Shares (<a href=\"https:\/\/personal.vanguard.com\/us\/funds\/snapshot?FundIntExt=INT&amp;FundId=0699\">VFIFX<\/a>). &nbsp;<\/strong>Vanguard offers tiny fees (0.16%), a classic, passive indexing strategy that begins with 90% in stocks, which ramps down according to a fixed schedule and is&nbsp;the largest mutual fund provider in the world.&nbsp;Vanguard&nbsp;is <a href=\"https:\/\/about.vanguard.com\/what-sets-vanguard-apart\/why-ownership-matters\/\">owned by the investors in its funds<\/a>.<\/li>\n<li><strong>Fidelity Freedom K<img decoding=\"async\" class=\"emoji\" draggable=\"false\" src=\"https:\/\/i0.wp.com\/twemoji.maxcdn.com\/2\/72x72\/ae.png?w=1200&#038;ssl=1\" alt=\"\u00ae\" data-recalc-dims=\"1\"> 2050 Fund (<a href=\"https:\/\/nb.fidelity.com\/public\/workplacefunds\/view-all\/2182\">FFKHX<\/a>).&nbsp;<\/strong>Fidelity&#8217;s offering has higher fees (0.69%), starts at 93% stocks, and has an &#8220;active asset allocation strategy.&#8221; This allows the manager to increase or decrease investment in stocks, bonds and cash by up to ten percent versus&nbsp;an expected schedule. This could improve returns or increase risk. &nbsp;Fidelity is a for-profit corporation.<\/li>\n<li><strong>TIAA-CREF Lifecycle Index 2050 Fund Retirement Class (<a href=\"https:\/\/www.tiaa.org\/public\/pdf\/ffs\/87245M749.pdf\">TLLRX<\/a>).&nbsp;<\/strong>This fund&nbsp;has low fees (0.35%), starts at 92% stocks and may deviate from its planned allocation schedule by up to ten percent based on &#8220;market conditions and outlook.&#8221; TIAA is a non-profit organization historically focused on educators.<\/li>\n<\/ul>\n<p>How to choose among these three? Review the funds&#8217;&nbsp;<a href=\"https:\/\/investor.gov\/additional-resources\/general-resources\/glossary\/prospectus\">prospectuses<\/a>, read the managers&#8217; websites and chat with their customer service people. Are you comfortable with the fund&#8217;s strategy? Does the website give you insight into the company&#8217;s culture, values and strategy? Can you speak with a helpful human without a long wait?<\/p>\n<p>Next: choose one and make your investment. More important than the specific fund you select is the action of saving ten to twenty percent of your income right away and until you retire. Don&#8217;t procrastinate: <a href=\"https:\/\/www.decisionfish.com\/hide-your-clothes\/\">your future self<\/a> will thank you!<\/p>\n<h3>Decision Fish Wants You!<\/h3>\n<p>We&#8217;re building a fun, <a href=\"https:\/\/www.decisionfish.com\/app\/\">online financial wellness program<\/a>.&nbsp;<strong>We are looking for a few people willing to try it out for free<\/strong>, even before it&#8217;s available to the public. <a href=\"https:\/\/www.decisionfish.com\/contact-us\/\">Contact us<\/a> to participate or forward this to a friend using the share buttons below.<\/p>\n<p>Did you like what you read? Forward this using the buttons below. <a href=\"https:\/\/www.decisionfish.com\/engage\/\">Sign up<\/a> for email updates and follow us <a href=\"http:\/\/www.twitter.com\/decisionfish\">@decisionfish<\/a>.<\/p>\n<p>Thanks,<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-1993 size-full aligncenter\" src=\"https:\/\/i0.wp.com\/www.decisionfish.com\/wp-content\/uploads\/2017\/03\/Thumbs-Up-e1496681700768.gif?resize=150%2C195&#038;ssl=1\" alt=\"\" width=\"150\" height=\"195\"  data-recalc-dims=\"1\"><\/p>\n<hr>\n<p>*Actually, he really wanted help finding a socially responsible investment. Unfortunately, we couldn&#8217;t find one that met the criteria above.<\/p>\n<p>The above is for educational purposes only and is not financial advice.<\/p>\n<p>Disclosure: the author has investments with Vanguard and Fidelity. Questions? <a href=\"https:\/\/www.decisionfish.com\/contact-us\/\">Contact us<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A 29-year old friend of mine asked me recently, &#8220;How do I get started investing for retirement?&#8221;* Since I prefer education and coaching to &#8220;advice&#8221;, here&#8217;s what I told him. For&nbsp;me, investments should be simple, cheap and take only smart risks. There are more than 9,000 mutual funds out there. How do I choose one? &#8230; <a title=\"My Super-Simple Retirement Investment Strategy\" class=\"read-more\" href=\"https:\/\/www.decisionfish.com\/retirement-investment\/\" aria-label=\"More on My Super-Simple Retirement Investment Strategy\">Read more<\/a><\/p>\n","protected":false},"author":3,"featured_media":2132,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[102],"tags":[101,40,95,100],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>My Super-Simple Retirement Investment Strategy &#8211; Decision Fish: Decide For Yourself<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.decisionfish.com\/retirement-investment\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"My Super-Simple Retirement Investment Strategy &#8211; Decision Fish: Decide For Yourself\" \/>\n<meta property=\"og:description\" content=\"A 29-year old friend of mine asked me recently, &#8220;How do I get started investing for retirement?&#8221;* Since I prefer education and coaching to &#8220;advice&#8221;, here&#8217;s what I told him. For&nbsp;me, investments should be simple, cheap and take only smart risks. There are more than 9,000 mutual funds out there. How do I choose one? ... Read more\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.decisionfish.com\/retirement-investment\/\" \/>\n<meta property=\"og:site_name\" content=\"Decision Fish: Decide For Yourself\" \/>\n<meta property=\"article:publisher\" content=\"http:\/\/facebook.com\/decisionfish\" \/>\n<meta property=\"article:published_time\" content=\"2017-06-05T14:19:22+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-08-01T14:43:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/www.decisionfish.com\/wp-content\/uploads\/2017\/04\/Desi-retirement-sunset.jpg?fit=762%2C640&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"762\" \/>\n\t<meta property=\"og:image:height\" content=\"640\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Brett F. 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