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?

Posting as :
works at
You are currently posting as works at

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.


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

Additional Posts

Made my first substantial deck today with almost entirely my own content (thoughts, findings, etc) for a client session. I know it’s not a big deal but excited to present it tomorrow 😊


A while ago there was ppt by a harvard grad going around outlining personal finance tips and tricks (banks, cards, points, etc) - was super helpful! Does anyone have a link or copy to share? I don't know what I did with it


Piggy backing off the question a few posts down: Company offers Roth 401k and a traditional. I make 75k and it's my first year out of college. I'm leaning towards maxing the Roth 401k. Any suggestions


Do you use [sic] when quoting a pleading and the allegation has typos in it? Don’t want to come off as petty but also don’t want to be blamed for the typo.


Help! Last minute trip to Hawaii, want to use points. Have about 250k points thru both Chase and Amex (each). Also have Amex Plat. - Chase is running 1.5x points to transfer to Bonvoy right now. - Amex has basically the same deal as Chase - every 2 pts transfer to Bonvoy for 3 pts (am I doing the math right?) - Amex also has $200 FHR/Hotel Collection annual credit for one of the hotels I'm considering - Could also transfer points to Hyatt, but not as good hotel options where I'm headed CONT...


Trying to get some data points for potential negotiations, what kind of signing bonuses is NYC BigLaw offering right now in this lateral craze to senior associates in M&A support specialist groups with typical high demand right now. Anyone's firms giving them retention bonuses to stay?


Can I afford a 2k rent stabilized luxury studio on a 75k salary? Trying to justify rent since it’s in midtown west😭


I am not on an agile project, but I am learning more about it and very interested in how I can apply to my everyday work. Any easy ideas as to how to incorporate agile into my normal way of working?


Desi Consultants!! - who all are thinking of hiring Sima Taparia (after watching Indian matchmaking on Netflix) for finding your future significant other?


Lots of us are skilled at delivery but most sales books seem to focus on the pitch and closing... What are your best resources for learning to develop and nurture strong, lasting client relationships?


Looking for Group Copy Supervisors for The Bloc! HCP/high science, and another spot is DTC/VR or medical device exp, a huge plus. Fully remote.


What is the purpose of a flipped classroom? Some teachers are doing their lessons via video so the kids are prepped before class. Then, what do they do in class?


Moms, both husband and I are nearing the end of our parental leave. We live in a two bedroom in NYC. We are thinking of hiring a nanny. The plan is that I would work from one room and husband would work from another room. We can move the changing table and pack n play in the living room, and the nanny and the baby can hang in the living room. Does this sound like a good plan?


I have a question for those at Amazon or any other FAANG organization. How does your company view transfers/relocations. For instance, you were brought in for a Sr. Mgr role in SF but want to go to DC. Is there an internal transfer portal or do you need to apply for the job? How is this viewed in the company? Thanks!


If you’re a parent of young children, what do you do to unwind? Need a hobby besides work and my toddler...


Not a points question, but what are some top resorts in the South? Need to find someplace to get away with the Mrs (sans kids) for a few nights when this all blows over.


Hoping to get my PHR in the next year or so. Outside of employer reimbursement, are there other opportunities for this to get funded? I know SHRM Foundation offers scholarships for the CP, but I am looking for PHR specific help. Thank you! :)

My girlfriend and I really want to take vacation in early May but since I'm writing the CFE this year, would it be advisable to bank those days for studying? How much time do we get off to study?


New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
Download Fishbowl to see what others are saying
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here


Embed this post

Copy and paste embed code on your site


Download the Fishbowl app

Get realtime notifications and see
what's happening in your industry
from the palm of your hand.