Hey! I know it’s all about target date index funds! Haha…which usually earns about 7-8% over the course of 30 years or so BUT I was just wondering if there are other slightly more riskier options potentially earning 12-15% that you are also a fan of? Thanks!!
Hi Kevin,
If a TDIF is not aggressive enough for you, you can customize your stock/bond allocation using the three fund portfolio concept and allocate more towards stocks. Or you can just buy the total US stock market index fund e.g. VTSAX.
Market ETFs. They have less administrative fees, are higher risk/reward because they will be all stock. No reason to really have bonds until you are getting closer to retirement/needing the money. Put the money in SPY, VOO, QQQM, SPTM, SPDW, etc and leave it alone. Over any 10 year period of time, any dip/correction is over come, so even if the market tanks the day after you invest it, you will be far ahead of the game in 30 years.