One Cent At A Time

A Personal finance blog to get rich

Should I Invest in a Index Fund or Target Date Funds in 401(k) ?

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I generally don’t pick stocks on my own, except a few I buy for dividend investment. To me direct stock investing is too risky to my limited knowledge about it. I rely on expert fund managers and thus buy mutual funds instead. In my employer 401(k) I have options to buy index funds as well as target date funds.

401k Allocation

My 401 (k) portfolio is invested in three different target date funds (2030 retirement fund, 2035 retirement fund and 2040 retirement fund) and a couple of index funds, International and large cap index funds.

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