|
20% in a money market fund seems awfully high for a 25 year old fwiw. I would guess the Fidelity Freedom Fund for a target retirement of around 2050 would have no more than 10% to fixed income as a whole, much less money market funds.
I don't think the target year retirement funds are a bad option. They can often diversify more efficiently (less fees) than you can on your own.
|