TIAA Equity Index- tiaacref.org
Invests in approximately 3,000 companies
Expense: 0.26%
Mininum investment: $2,000 to open IRA; $ 2,500 for general account (or $50 if you start an Automatic Inv. Plan). If your balance is below $1,500, you will be charged $25, unless you invest at least $100/month in an automatic investment plan.
Vanguard Total Stock Market Index- vanguard.com
Invests in approximately 3,400 companies
Expense: 0.20% (other fees may apply)
Minimum investment: $3,000 minimum to open an IRA; $3,000 minimum to open an investment account
Vanguard Star- vanguard.com
Invests 35% in bonds and 65% in stocks using a basket of Vanguard funds
Expense: 0.37%
Minimum investment: $1,000 minimum to open an IRA; $1,000 minimum to open an investment account
Schwab 1000 Fund- schwab.com
Invests in largest 1,000 companies
Expense: 0.46%
Minimum investment: $1,000 minimum to open an IRA; $2,500 minimum to open a investment account
Schwab Total Stock Market Index- schwab.com
Invests in 4,000 companies
Expense: 0.40%
Minimum investment: $1,000 minimum to open an IRA; $2,500 minimum to open a investment account
Fidelity Four-in-One Index Fund- fidelity.com
Invests 55% in 500 largest stocks, 15% in rest of U.S. stock market, 15% in international stock index, 15% in bond index
Expense: 0.36%
Minimum investment: $2500 minimum to open an IRA; $10,000 minimum to open an investment account
Targeted Retirement or "Lifecycle" Funds New!
With these funds, you pick the year you expect to retire -- let's say 2035. You buy that portfolio and over the next 30 years the company you choose picks a mix of stocks and bonds to get you the best return with the lowest overall risk. As you get closer to 2035, your investments get less risky.
Fidelity Freedom Funds- fidelity.com
Invests in a combination of stocks, bonds and cash equivalents
Years available: 2010, 2015, 2020, 2025, 2030, 2035, 2040
Expense: between 0.71% and 0.91%
Minimum investment: $2,500 minimum to open an IRA; $2,500 minimum to open an investment account
T. Rowe Price- troweprice.com
Invests in a combination of stocks, bonds and cash equivalents
Years available: 2010, 2015, 2020, 2025, 2030, 2035, 2040
Expense: between 0.67% and 0.84%
Minimum investment: $3,000 minimum to open an IRA; $2,500 minimum to open an investment account
Vanguard Target Retirement Funds- vanguard.com
Invests in a combination of stocks, bonds and cash equivalents
Years available: 2015, 2025, 2035, 2045
Expense: 0.21% or 0.22%
Minimum investment: $3,000 minimum to open an IRA or general account
*Sources: Fidelity.com, Schwab.com, Tiaa-cref.com, Troweprice.com, vanguard.com
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