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Investing Specialists

A Second Opinion on Retirement Asset Allocation

Using target funds to evaluate your own stock/bond/cash mix.


"Am I on the right track?"

That's a common question among readers. Many of you have thoroughly researched your investments and taken care in setting up your asset-allocation plans. But even if you're comfortable with your investment program, it's normal to want to seek outside opinions to corroborate that you're doing the right thing. That reassurance can be particularly helpful in the realm of retirement planning, where there's little room for error.

A professional financial advisor--ideally, someone serving in a fiduciary capacity--can help with customized in-retirement guidance, of course. But target-date funds are another way to backstop your retirement plan, enabling you to compare your own portfolio with those crafted by large money managers. Some financial advisors disparagingly call target-date funds "one size fits none."

Christine Benz does not own (actual or beneficial) shares in any of the securities mentioned above. Find out about Morningstar’s editorial policies.

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