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<blockquote data-quote="UpstateNYUPSer(Ret)" data-source="post: 1096703" data-attributes="member: 12570"><p>This is why I like the Bright Horizon funds. You simply choose the fund with the target year closest to your retirement date. The BH funds are in 5 year increments and tend to be more aggressive early on and them more conservative as you get closer to the target date. Let's say you are due to retire in 2019. You could choose the BH 2020 which is closest to your retirement date; however, as I explained above, the fund would be aggressive early on and then more conservative closer to 2020 which means you could possibly lose out on investment gains. I am due to retire in 2019 and consider myself to be more aggressive than conservative so I chose the BH 2025.</p><p></p><p>The BH funds are ideal for those who don't have a lot of time to spend or interest in handling their 401k's. It's almost like the chicken rotisserie grills--"Set it and forget it".</p><p></p><p>I have 25% going to my 401k and am up 4.04% for the year thus far and 11.67% for the previous year.</p></blockquote><p></p>
[QUOTE="UpstateNYUPSer(Ret), post: 1096703, member: 12570"] This is why I like the Bright Horizon funds. You simply choose the fund with the target year closest to your retirement date. The BH funds are in 5 year increments and tend to be more aggressive early on and them more conservative as you get closer to the target date. Let's say you are due to retire in 2019. You could choose the BH 2020 which is closest to your retirement date; however, as I explained above, the fund would be aggressive early on and then more conservative closer to 2020 which means you could possibly lose out on investment gains. I am due to retire in 2019 and consider myself to be more aggressive than conservative so I chose the BH 2025. The BH funds are ideal for those who don't have a lot of time to spend or interest in handling their 401k's. It's almost like the chicken rotisserie grills--"Set it and forget it". I have 25% going to my 401k and am up 4.04% for the year thus far and 11.67% for the previous year. [/QUOTE]
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