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The Short Answer

A Performance Test for Your Self-Managed IRA or 401(k)

Using target-date funds as a benchmark can help you gauge your retirement portfolio's performance versus that of the pros.


Note: This article is part of Morningstar's November 2013 Investor Starter Kit  special report. This article originally appeared Sept. 17.

Question: I manage my own IRA as well as my wife's, but I'm never really sure how good of a job I'm doing. Aside from comparing the portfolios' performance against the market, is there another benchmark I can use?

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