Quote:
Originally Posted by DaFace
After a while, though, I just realized that I just don't have much interest in putting a ton of thought into it (again, shouldn't be a surprise based on this thread). So with an interest in getting a little more diversification without having to think much about it, I'm mostly in this at this point:
SWYMX - Target 2050 Index (0.08% ER)
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My retirement is also in Schwab -- T Rowe Price Retirement 2035 (I'm obviously a bit older than you). I've been satisfied with the way it's increased over the years. The last year has been mind-blowing and has me thinking of retiring five years earlier than planned.
My biggest regret was not starting sooner. While living the fun life in NYC for a decade, I only put in a total of about $20k into retirement despite working for seven of those years. Approximately twenty years later and that NYC fund is worth $155k. I didn't get serious about retirement funding until moving back to KC in 2003. If I had made the same funding commitment from the beginning I would now be rolling. My wife and I stress this to our kids all the time (as well as the dangers of credit card debt, another mistake from my past life of living large).
Short of hiring lewdog to choose them for me, I just don't have the time or smarts to buy individual stocks. But I very much enjoy reading this thread, and root for all of you every day. Even as a mere spectator, it's great theater!