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Apologies if this is a very stupid question. I'm new to investing and am trying to be informed, so I'm reading the prospectus that details the annual and long-term returns for each fund available. Looking at the Google market summaries, I can see that the retirement year default one (2055) is the most stable. But, even with the greater volatility present in the other funds, it seems like they (for the most part) rebound and still come out on top of the retirement year fund in terms of sheer dollar value - especially some of the internationally-focused funds.

Am I reading this wrong? Is there a big risk I'm missing? I'm not someone who would panic in a 2008 type downturn; if I'm willing to withstand temporary shocks, would using a different fund pay off in the end?

Example: here's the 2055 fund, and here's an int'l-focused fund that withstood the 2008 crash far better, has a higher 10-yr rate of return, and seems to be trading at a much higher price than the default fund. What am I missing?



Submitted November 24, 2018 at 02:16AM by redooo https://ift.tt/2R98J2k

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