FQIFX

ya-reddit-acct

So are Fidelity's ones (FQIFX, FXIFX, etc., etc.), for obvious reasons, already mentioned by others here. No safe place to hide from the Liberation Day followed by Wartime Days.

Cruian

Yes. FBIFX will change the ratio as the target year approaches and possibly even for a few years after. The "index" vs non-index refers to how the component funds are designed. FBIFX is a collection of index funds, non-index TDFs use actively managed component funds. You can look at the composition of FQIFX, FBIFX, and FDKLX to see different points along the path.

s3cd3v0p5

Posted in Fidelity, and got their canned reply. All I'm looking for is a perspective on the idea: if assumed to start using money from an IRA exclusively invested in FQIFX (Fidelity 2025 term fund), sometimes around the the term date of this fund, would it make sense to split it NOW in half, and acquire FIHFX (2035 term) with the cash from selling half of FQIFX? Wouldn't this be a way for an inactive investor to actually diversify a little? The main concern I have, at this time, is that all target date funds @ Fidelity have as objective an eventual migration into/merger with Fidelity Index Income Fund, which may happen "too soon" (I know - relative term), and whose historical returns and Morningstar grades are abysmal ... Pros and cons in doing so? Would appreciate opinions/views on this.