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You still need to be invested in equities at retirement otherwise inflation just eats away at the value of the cash

• sgerenser 2y ago
  That’s why these target funds go down to ~50% stocks [edit: at the target date] not 0.
  • ac29 2y ago
    At least at Vanguard the final stage of target date funds is ~30% stocks: https://investor.vanguard.com/investment-products/mutual-funds/profile/vttvx#portfolio-composition https://investor.vanguard.com/investment-products/mutual-fun...
    • sgerenser 2y ago
      That fund is currently at 50% stocks. It does get more conservative as you get past the target date, but I was mainly referring to the stock percentage at target date, which the parent poster implied was almost zero.