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<blockquote data-quote="UpstateNYUPSer(Ret)" data-source="post: 1022162" data-attributes="member: 12570"><p>The Bright Horizon 2040 is basically a "401k for Dummies". I don't mean that in a bad way as I am 100% in the Bright Horizon 2025. I simply mean that you don't have to do anything when you invest in one of the BH funds.</p><p></p><p>I assume you chose the 2040 as that is about the year that you will be retiring. If you want to be more aggressive you can choose the 2045 or higher----if you want to be more conservative you can choose the 2035 or lower. You are young so I would go with the more aggressive fund. 2050 is the highest BH fund available and thus would be the most aggressive. You can always transfer your funds as more BH funds become available and can then transfer to a less aggressive BH fund when you are closer to retirement.</p><p></p><p>2040---I will be 79 years old.<img src="/community/styles/default/xenforo/smilies/FeltTip/sad-little.png" class="smilie" loading="lazy" alt=":sad-little:" title="Sad Little :sad-little:" data-shortname=":sad-little:" /></p></blockquote><p></p>
[QUOTE="UpstateNYUPSer(Ret), post: 1022162, member: 12570"] The Bright Horizon 2040 is basically a "401k for Dummies". I don't mean that in a bad way as I am 100% in the Bright Horizon 2025. I simply mean that you don't have to do anything when you invest in one of the BH funds. I assume you chose the 2040 as that is about the year that you will be retiring. If you want to be more aggressive you can choose the 2045 or higher----if you want to be more conservative you can choose the 2035 or lower. You are young so I would go with the more aggressive fund. 2050 is the highest BH fund available and thus would be the most aggressive. You can always transfer your funds as more BH funds become available and can then transfer to a less aggressive BH fund when you are closer to retirement. 2040---I will be 79 years old.:sad-little: [/QUOTE]
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