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Selecting Dependable Retirement Investments

Selecting low-cost and low-maintenance investments can keep retirement portfolio management from becoming a full-time job.

Selecting Dependable Retirement Investments

Christine Benz: Hi, I’m Christine Benz for Morningstar.com. Managing your retirement portfolio shouldn't be a full-time--or even a part-time--job. That's why when it comes to selecting investments for your retirement portfolio, I strongly believe that less is more. 

I'm a big fan of mutual funds and exchange-traded funds that provide broad diversification at a very low cost and require very little in the way of ongoing oversight. From that standpoint, it's hard to beat a portfolio that’s anchored in total market index funds: a total U.S. market index fund, a total foreign-stock index fund, and a total bond market fund. Retirees might also consider adding an inflation-protected bond fund, since those bonds don't appear in total bond market index funds. 

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