On Jul 4, 6:18 pm, Mike <r...@g...com> wrote:
> I'm 38 and have about $50k or so spread across three retirement
> accounts: a Vanguard Target Retirement 2045 fund, a Fidelity Freedom
> Fund 2040, and some misc holdings in Morgan Stanley. I'd like to merge
> them all into either the Vanguard or the Fidelity fund, but I'm not
> sure which one to choose.

Can you move those retirement accounts into an IRA? If so, you would
have many more investment options available.

> Ideally, I'd like to set up my own portfolio -- preferably one with a
> lot of risk, because I'm way behind in my retirement savings. I'm just
> really having trouble finding the time to research and monitor
> everything, despite my interest in learning and participating actively
> in investing; hence, I figured one of the targeted retirement funds
> would be a good choice.

Risk doesn't necessarily mean high return.

A retirement fund will have higher amounts of bonds than would be
optimal for capital appreciation.

You could try something to match the Russell 3000 to match the market.
Or you can try investing in various sectors like energy and technology
to get higher returns.

--
Ron

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