FMD Capital Management

Posts Tagged: target date

Why You Need To Start Your 401k Now, Not Later

Written by David Fabian, June 07th, 2017

The transition of moving from a student into the work force can be an intimidating phase of your life.  Not only do you now have to learn new skills and apply problem solving habits honed through your course work, but you must also make important decisions that will impact your life for decades to come.  Much of that has to do with how you handle your money and what you value as an individual. Read more

Illuminating 4 Top Target Date Retirement Funds

Written by David Fabian, January 21st, 2017

Target date mutual funds are commonly found among company-sponsored retirement plans such as 401(k)’s and 403(b)’s.  These “set-it-and-forget-it” style funds own a broad mix of stocks and bonds that slowly changes over time.  The farther out your retirement date, the greater percentage of assets will be skewed towards stocks as a riskier growth asset.  The portfolio will then begin to balance itself towards bonds and cash to become more conservative the closer you get to retirement.  Read more