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.

credit cards · Subtopic

cash back cards

Browse Beelinger guides, reviews, and practical money resources.

3 articles Updated September 18, 2026

← All credit cards articles

More credit cards subtopics

Articles

cash back cards (3)

Wells Fargo Active Cash® Card Review 2026: The Gold Standard for Everyday 2% Cash Back

Wells Fargo Active Cash® Card Review 2026: The Gold Standard for Everyday 2% Cash Back? Unlimited 2% cash…

Sep 17, 2026 · Beelinger staffs

Is Capital One Quicksilver the Best No‑Fee Cash Back Card for 2026

Capital One Quicksilver Cash Rewards Review 2026: The Benchmark for Frictionless Everyday Cash Back? Capital One Quicksilver combines…

Sep 13, 2026 · Beelinger staffs

Chase Freedom Unlimited® Review 2026: The Ultimate Everyday Cash-Back Workhorse

Chase Freedom Unlimited® Review 2026: The Ultimate Everyday Cash-Back Workhorse? Chase Freedom Unlimited combines 1.5% everyday cash back…

Sep 11, 2026 · Beelinger staffs

Explore all credit cards content

Guides, tools, reviews, and the latest articles in credit cards.

Go to credit cards hub →

One money move, every Tuesday.

No fluff. Just one idea you can act on this week.

✓ You're in! Check your inbox.