I've been blindly putting my Roth IRA money in the vanguard 2040 target date fund (VFORX), but I've recently been trying to make an effort to learn more about investing. I noticed that this fund says 90% stocks and 10% bonds is the target, but based on the guidelines I read, I should be much higher (I thought I should aim for 20-25% bonds). Some of the other guidelines say you could structure the breakdown on target date funds, but these numbers seem very different. Am I wrong in thinking the 2040 fund should be more conservative? Am I not understanding how these funds are designed?
Submitted March 31, 2019 at 09:34PM by PrestigiousCup8 https://ift.tt/2JUVxif
