<p class="p__0">Target-date funds diversify based on your age. This means the funds will automatically change to be more conservative as you grow older. For instance, if you desire to retire in 30 years, an excellent target-date fund would be the Lead Target Retirement 2050 Fund (VFIFX), since 2050 will be close to the year you'll retire.</p>
<p class="p__1">This indicates it'll be higher risk but with the potential for higher returns. As the years pass and we inch closer to 2050, though, the fund will instantly adapt to buy more conservative investments like bonds. Most target-date funds need a $1,000 to $3,000 preliminary investment. If you do not have enough to purchase among those, do not fret.</p>
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