blitzen's recent activity

  1. Comment on Is an iPad enough for college students these days? in ~tech

    blitzen
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    Little secret, anyone can get that pricing. They don't verify that you are a student.

    if you can get that pricing

    Little secret, anyone can get that pricing. They don't verify that you are a student.

    1 vote

  2. Comment on How does mutual fund pricing work when selling? in ~finance

    blitzen
    Link Parent
    At 30+ years to retirement, an all stock fund like VTSAX is gonna perform pretty close to the same as target date funds. It’s as you get closer to retirement that the TR funds rebalance to include...

    At 30+ years to retirement, an all stock fund like VTSAX is gonna perform pretty close to the same as target date funds. It’s as you get closer to retirement that the TR funds rebalance to include lower risk bonds, which you should be doing anyway when the time comes.

    I don’t personally have TR funds myself, but rather a basic three index fund portfolio for retirement, with domestic and international equities making up the majority, and bonds for the balance to meet the appropriate level of risk for my age. And I rebalance annually. I do this so I can give myself a slightly higher level of risk tolerance and slightly lower fees than the TR.

    TR funds are probably the right choice for most people.

    1 vote