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URL:  http://boards.fool.com/ive-been-a-member-for-a-few-years-but-this-my-26294712.aspx

Subject:  Re: Lifecycle Funds Retirement Accounts Date:  1/18/2008  9:24 AM
Author:  Dwight103 Number:  61040 of 76397

I've been a member for a few years, but this my first visit to the boards, and my first post (as far as I can remeber anyway). This thread is very close to the reason I checked the board, I'm wondering about the Vangaurd Target retirement funds. My 401k is restricted to Vangaurd funds and the Target funds were just added to the mix this year. I've had the bulk, close to 100%, of my money in an S&P index fund, and I'm wondering if the Target funds are a good choice. reading this thread, I the Vangaurd Target funds are probably a good choice, but now I wonder how to get into them. Should I just move the whole of my funds into the Target fund today, or does it make more sense to move a little bit each month over the course of the year, or should i wait until the S&P moves back up a bit?

Thanks in advance for any help. Oh yeah, I'm 48, plan to work until 65, and I'll be back on boards for next 40 years or so... with any luck.
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