就不能读一下说明吗？ Vanguard Target Retirement Funds offer a diversified portfolio within a single fund that adjusts its underlying asset mix over time. The funds provide broad diversification while incrementally decreasing exposure to stocks and increasing exposure to bonds as each fund’s target retirement date approaches. The funds continue to adjust for approximately seven years after that date until their allocations match that of the Target Retirement Income Fund.
就不能读一下说明吗？ Vanguard Target Retirement Funds offer a diversified portfolio within a single fund that adjusts its underlying asset mix over time. The funds provide broad diversification while incrementally decreasing exposure to stocks and increasing exposure to bonds as each fund’s target retirement date approaches. The funds continue to adjust for approximately seven years after that date until their allocations match that of the Target Retirement Income Fund. welkin25 发表于 2023-04-04 23:32
我知道401要到退休才能取，但毕竟不知道什么时候退休，如果到时候退休了，401可以取了，但基金还不可以取不是也拿不到钱么。还望高人指点迷津。谢谢啦。
Vanguard Target Retirement Funds offer a diversified portfolio within a single fund that adjusts its underlying asset mix over time. The funds provide broad diversification while incrementally decreasing exposure to stocks and increasing exposure to bonds as each fund’s target retirement date approaches. The funds continue to adjust for approximately seven years after that date until their allocations match that of the Target Retirement Income Fund.
太专业了，看得云里雾里的。。。问题更多了
感觉我是可以在某个时间点停止买这个fund，未来的钱可以买别的fund, 但是已经买了的钱就一直在这个fund里了，并不能把本金取出来转投别的fund..到了退休从401取钱的时候，就是取我在过去所买过的所有fund每个月的利息？
那我没有开始取401的时候，利息再滚入本金？一旦开始取401，利息都取出来了，本金就不财增长了？
还有如果基金跌了呢？我可以选择一个基金都不买吗？
如果是这样的话，我大可以先买一些收益比较高但风险大的博一下，等快退休了把风险高的卖了，买成比较保守的比如这种Vanguard Target Retirement 20**年 fund。。对不对呀：）
这个20xx基金跟其它基金一样，你要是想，可以随时rebalance（重新分配401k资产）。
那句标粗的话的意思是，之所以名字里有20xx，是说这个基金会自动调整股票和债券的比例，越接近20xx年债券比例就越高。比如现在vanguard 2025基金里40%都是债券了，但是2035基金里的债券比例才30%左右。
这个股票和债券比例你要是想也可以自己操作自己手动分配，不需要买vanguard。毕竟这个fund有0.08%的管理费，我嫌贵……