We considered several factors to identify the best target date funds, including fees, performance, asset allocation and glide path. State Street Target Retirement Funds allocate about 35% of their portfolio to equities and alternatives after reaching their target date. According to State Street, they take this approach based on academic research that shows most Americans do not tap their retirement accounts until required minimum distributions (RMDs) begin. Similar to Vanguard funds, State Street target date funds shift their allocation toward bonds and away from stocks for a period of five years after reaching their target date. SPDR Portfolio Long-Term Treasury ETF (SPTL).State Street Small/Mid Cap Equity Index Portfolio (SSMHX).State Street Equity 500 Index II Portfolio (SSEYX).The 2060 fund is currently allocated to a portfolio that comprises 90% stocks and 10% bonds, via the following funds: Investors should note, however, that this fee could increase to 89 basis points by April 30, 2021. One of the least expensive funds in our list, the State Street Target Retirement 2060 Fund costs just 9 basis points. A look at the Fidelity Freedom Index 2020 Fund shows an asset allocation of 50% stocks and 50% fixed income.
#Best performing mutual funds 2015 series
Fidelity Series Long-Term Treasury Bond Index Fund (FTLTX)Īs with all of the other funds in our list, Fidelity uses a “through” glide path, meaning that the stock-to-bond allocation continues to change after the designated year of the fund-2060 in this case.Fidelity Series Bond Index Fund (FIFZX).Fidelity Series Total Market Index Fund (FCFMX).It owns four index funds to provide a diversified portfolio to investors: The Fidelity Freedom Index 2060 fund presently allocates 90% to equities and 10% to fixed income. The Fidelity Freedom Index 2060 target date fund uses low-cost index funds to implement its investment strategy-with an expense ratio of just 12 basis points, the fund is very affordable. Fidelity offers two types of target date funds, based on either passively managed index funds or actively managed mutual funds.
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