Other slightly more riskier options besides Target Date Index Funds

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. :slight_smile:

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.