What target fund should I invest in?

Invest in an index-based target-date fund dated closest to the year you turn 65 (e.g., a 2060 fund if retiring around 2060). Ensure the fund series includes the word 'Index' with an expense ratio below 0.15%.

Can I lose money in a target-date fund?

Yes. Target-date funds hold stocks and bonds that fluctuate with broader market movements. However, broad diversification across thousands of global assets protects you from the permanent failure of individual companies.

Should I hold other index funds alongside a target-date fund?

Generally, no. Target-date funds are designed as 100% all-in-one allocations. Adding individual S&P 500 or tech funds over-concentrates your portfolio and disrupts the automated glide path.

What happens when a target-date fund reaches its target year?

At the target date, the fund reaches its most conservative asset allocation (typically 30%–50% stocks and 50%–70% bonds). Over time, many providers merge mature funds into a general Retirement Income Fund focused on stable cash distributions and capital preservation.

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The Lifelong Earner	The Beelinger Wealth Builder
Trades more hours for paychecks	Uses cash flow to buy assets that compound
Upgrades lifestyle every time income rises	Widens the gap between income and expenses
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Relies on hope and last-minute motivation	Relies on automated, reliable financial systems

The Lifelong Earner

The Beelinger Wealth Builder

Trades more hours for paychecks

Uses cash flow to buy assets that compound

Upgrades lifestyle every time income rises

Widens the gap between income and expenses

Buys liabilities to look rich to strangers

Chooses low debt, quiet security, and real control

Relies on hope and last-minute motivation

Relies on automated, reliable financial systems

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