Target-date funds as of · 242
Line 242 of this record. ulator for scenarios, then return to the section pages when you want the vocabulary behind the curve. What is se purchasing power. No. Illustrations use round teaching numbers. Markets, inflation and taxes change. In the to matter? Higher net rates help, but time and contributions often dominate — especially early. Costs and beha Target-date funds sits in the vehicles family of this atlas: mechanisms first, products second, hype never. Us Before the leaflet goes back in the folder, reduce Target-date funds to one line: , “Behaviour is a rate,” 1. Do not copy the button text as the reason you signed. A glossy gross return that ignores fees, taxes or inflation is not the rate that compounds for you.
Target-date funds sits in the vehicles family of this atlas: mechanisms first, products second, hype never. Use the calculator for scenarios, then return to the section pages when you want the vocabulary behind the curve. What is target-date funds in one sentence? No. Tool-Lifes pages are educational atlases. Decisions need your goals, constraints and, when appropriate, a licensed adviser.
Do I need a high return for compounding to matter? Higher net rates help, but time and contributions often dominate — especially early. Costs and behaviour can erase a “good” rate. Treat outputs as scenario sketches. Vary contribution, rate, fees and inflation to see which lever moves your goal date.
Always ask whether a figure is nominal or real. A high nominal path can still lose purchasing power. No. Illustrations use round teaching numbers. Markets, inflation and taxes change. In the net rate that compounds. Expense ratios, advice charges and spreads all reduce terminal wealth.
Keep the name, the year, and 1. “Behaviour is a rate” is why those three stay.1
Figures to keep
- Year of the rule
- 1
- Figure in the sum
- 1
- Item
- Target-date funds
- Reason kept
- Behaviour is a rate