Hi 🐠! I haven’t seen this exact question before so figure I’d throw it out there. Target date or S&P 500? Can’t see a benefit of S&P 500 over Target date... am I missing something?

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If you’re asking this question.... Target Date. They manage everything for you and capture market gains with moderately safe mixes. Often times they’ll themselves contain S&P500 investments, but they just balance with low risk investment things as well such as bonds. When you’re young, they’ll be mostly invested in S&P500-esque assets actually. As you age those investments will be faded out for safer ones. Because what goes up quickly also can go down quickly. S&P could be a good option in an individual broker for a goal you have 10 years down the line (maybe house down payment). But retirement Target dates do a nice job of investing for growth.

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Target date is incredibly conservative. It underperformed relative to the rest of the market in a historic 2020. You’ll see steady, incremental growth if you’re more risk averse but if you’re looking to score on your retirement then you’ll need to allocate elsewhere.

Actually I looked - my Target Date performed BETTER this last year at 33.08% in the 1 yr history, whereas Fidelity’s FXAIX (S&P 500) performed at 31.29%. In 5 year and 10 year history S&P was better by 2-3% though.

High risk vs low risk

Ok boomer

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