Would it be smart to invest contained by Semiconductors?
Question:
Answers:
Semis comprise the second largest group of publicly traded companies after biotech. You have to be extremely selective and speedily as there are too various companies chasing too little business.
The one I like right presently is ASYS - they make sami equipment that solar cell manufacturer also use.
that's a very erratic business. the big chip companies similar to intel and amd go up and down according to the souk. they are constantly one-upping each other and aggression over market share. i've see their stock prices fluctuate wildly over yesteryear couple years.
a smarter move is to invest in analog chip companies. analog chips are within many small devices. they are extremely cheap to produce and don't suffer from intense competition. the few companies that produce them exclusively (w/out producing bigger digital chips) tend to own large contracts next to little to no competition. some of the biggies like texas instruments are starting to build up that portion of their companies but for very soon it seems to be a technically decent investment bet.
Can one be too conservative within their investing?
Question:
Answers:
Yes and no.
IMO, A person's time horizon should be the main determinant of their risk rank for their portfolio. If a young soul saving for retirement have the majority of his nest egg in bonds, afterwards most people would voice he is too conservative. The reason is that he might not draw from a good adequate return on his investments to reach his financial goal. If the greatest financial risk is running out of money before he dies, after an all-bond portfolio is paradoxically the most risky portfolio possible.
However, it is also up to respectively person to establish what level of risk exposure they should bear. As long as they are educated on the potential risks and retuns of the mixed asset classes and have a clear benevolent of their goals and time horizons, they should after be given the freedom to invest in doesn`t matter what portfolio they wish.
For example, abundant people charge me of being too conservative beside my 30% bond and 70% stock retirement portfolio, being age 31. However, I am very well educated surrounded by the realm of mutual fund investing, am contributing a great deal each year, and am using low-cost funds. Therefore, my declaration is the correct one for me. It is not up to them to decide what asset allocation is right for Deron Baker. Only Deron Baker can settle on that for himself, so long as he is educated on the concern and willing to adopt the consequences. Because . .. . . the world don't move to the beat of merely one drum. What might be right for you, might not be right for some.
Part of the problem is that "risk" can be defined in different ways. Another problem is that people's "risk tolerance" tend to change next to current market conditions. The same inhabitants who though they were risk takers contained by 1999 suddenly turned "conservative" when the market crashed surrounded by 2000 - 2003. A bull market have a funny way of making citizens think they are Warren Buffet. Another problem is that rules-of-thumb don't necessarily apply to adjectives people, since respectively person have their own unique set of financial circumstances. They are one and only meant to be starting points. You must tweak your allocation to your own circumstances.
yeah! if you dont invest anything- next duh! youre being to conservative within investing because youre not doing any!
If the price growth / dividends / interest rates are below the rate of inflation . . .
One is tooooo conservative .
The idea of investing is to hold Greater real time assets !
Absolutely if you hold all of your money sitting contained by cash, mmkt, or a disc waiting for the right time to get into the mmkt.this is a mistake, plentifully of people try to time the souk and probably about 99% of the time they referee wrong. Best bet setup a diversified mix of stocks and bonds and go for the long pull, unless your getting ready to subtraction money or retiree should you have it surrounded by cash.
Yes. There is an "opportunity cost" to person too conservative.
Example. Put all your money contained by a savings statement paying 2% because it's "insured". If you pass up the stock flea market, which has historically returned 8%, you own "lost" 6% on a missed opportunity.
If your investments are making less than the helpfulness of what you would get if you lent out the money, articulate 4%, then, yes, you are investing too conservatively.
Yes. If the investor is risk-averse and afraid of investing contained by risky investments.
During a bull market, yes. During a carry market, no.
conservative scheme safe...and it depends on your age.
if you are young-looking, yoiu need to be surrounded by stocks
as you approach your mid 40s then yoiu involve to start switching your money into bonds which are safer
by the time you reach retirement, afterwards have adjectives your money in bonds and or money market
When did Comcast spin of its stock (before 2004 I think)?
Question:
I need to amount out some stock information. I can't find when I received my free shares of Comcast stock. Does anyone know when it happened?
Answers:
Comcast go public in 1972.
If you received your shares from the ownership of another stock, it most promising was November 2002 when A.T. & T spun stale .3235 shares of Comcast (CMCSA) for each share of A.T. & T.
Adjustment factor: 0.410067
Announce date: 10/31/02
Ex Date: 11/19/02
Record Date: 11/15/02
Pay Date: 11/18/02
Where can I download former stock trading notes?
Question:
If I want to get a stock, say aloud Yahoo's daily trading background (High, low, close, volume) in the ultimate year, where can I go and get it?
Answers:
go to nouns.yahoo.com
enter your ticker
on the left, select "historical data"
that should bequeath you most everything.
at the very bottom of that peak you can click and download the data into an xls or csv folder
G00GLE. Yahoo may have it too.
The 1 yr chart or 2 yr or 5 year . . . (on Yahoo finance)
Just enter the ticker symbol and when the quote comes up , click against the chart option .
You will see the price moves for the intact period that you chose .
for example , yhoo 5 yr
http://finance.yahoo.com/q/bc?s=yhoo&t=5...
or Apple Computer
http://finance.yahoo.com/q/bc?t=5y&l=on&...
>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>...
Does the preference price dance up or down as it near expiration?
Question:
Answers:
If the underlying stock or index doesn't change consequently the price will drop because options consist of time value+ intrinsic merit (if there is any) and when time is short time attraction drops until it's not considered.
An example would be you bought 1 July 100 Call on XYZ and at the money in January designation the stock was trading for $100 at that time. If you rewarded $1(X100) for that contract then the time plus was adjectives that existed on that option. If the price didn't transformation at all as you approached expiration the significance of that option would reduction as it was expected to expire worthless. A site with a angelic explanation of time value and intrinsic good point is http://www.streetauthority.com/terms/opt...
The option looses its "time" meaning and trades more closely to its intrinsic value as experation date approaches.
Special nickname group at yahoo?
Question:
anyone availing the future and leeway call service offered by special appointment group, if yes pl let me know the contact details
Answers:
at hand r many such groups...but they aint free of charge.
www.sify.com/finance
www.poweryourtrade.com
www.5paisa.com
? huh ??
Any one know of any undervalue stocks?
Question:
to hold for a couple of weeks?
Answers:
If you are looking for stocks to hold for a couple of weeks, you really do not want to consider undervalued stocks. They can remain undervalue for years. To find stocks that might be good for a couple of week investment check out this site.
http://www.stockta.com/
Stocks are for long possession investing. Just look at the NASDAQ index, 7 years after its peak (March 2007) it is still lone at 1/2 that level. For of late a couple of weeks, better odds within Las Vegas.
"Couple of weeks" money belongs in a money souk.
A couple of weeks is too short to profit from undervalued stocks. I buy undervalue large cap based on PE and dividend yield, but it can take anywhere from 6 months to a few years to foot off.
I am 25, looking to start investing for retirement (age 70ish), and going to canon conservatory, what should I do?
Question:
Answers:
1. Establish a backup emergency fund of 3-6K, keep that surrounded by a money market, to be exact your emergency money.
2. AFTER your emergency money is established, start contributing to a Roth IRA if you are eligible, the tax free compounding for someone 25 is an huge advantage and the biggest loophole you will ever find. Fund the Roth next to a well diversified mix of equity mutual funds where on earth the current manager have a long track record of performing in good health in an assortment of market conditions.
3. After your monthly contributions to fully fund your per annum Roth contributions are established, additional reserves should go to bolster the emergency backup fund, consequently fund non retirment investments (usually mutual funds).
open up an tale with vanguard or fidelity...they tender the most choices for the lowest cost than anyone else...either do the 401k thorugh your employer or do the roth ira...over time, you will build up a huge nest egg
Invest contained by Mutual fund
If you have taxable income, you can begin a Roth IRA.
Concentrate on school, you don't want the distraction of worrying just about investments so invest in a 2050 Target Retirement fund from Vanguard (they use index funds) or T. Rowe Price (they use their actively manage funds). They are well diversified and will automatically redeploy allocation as you get elder and more conservative.
You’ll need an emergency fund set up surrounded by a CD, money open market, or saving vindication.
If you are working, take lead of your employer’s 401k, especially if they have analogous. If not, open an IRA and put surrounded by as much as you can afford. Even small amounts add up over time.
Common to popular belief and the final post at your age you should not save up 3 to 6k contained by a mmkt or often 3 to 6 months of bills. Now let think in the order of this, your 25 in regulation school, or any personage young still surrounded by college or just graduate and started their first job.likelihood are you barely hold enough income to come together your bills let alone accumulate for 3 to 6 months, odds are it would pinch a few years.now definately if your working for an employer that offer a 401k and/or matches atleast contribute plenty to get adjectives of the match.if you draw from into a bind as long as the plan allows it and you have atleast 2k vested you can borrow from it, that agency your putting your money to work for you in a diversified mix of stocks and bonds as challenging barely covering inflation surrounded by a mmkt. Now outside of that a Roth can be a great investment for retirement as well 4k a year rates free growth as long as you hold it for 5 years, if you do get within a bind you can pull it out after the 5 years but you will enjoy a 10% penalty.
You're brilliant. If every 25 year out-of-date started investing and planning for retirement - they would be millionaires! Sounds like you will.
Whether you work piece time or full time, start automatic deductions into a nest egg account or money souk fund. Pay yourself first. Start with 10% of your gross income and be sure the deduction are set up automatically.
Take advantage of any 401K plans your employer(s) may set aside. Employers often contest up to a %.
As your savings grows, diversify. Strive for double digit returns (10%+ surrounded by interest) whenever possible. Do your own due diligence. Holding bank transcription, REITS, be a lender (i.e. http://www.Prosper.com) Take your time and don't do it all at once.
If you single do the automatic deductions into your savings/money souk, CD, Roth IRA - you will be within EXCELLENT shape by 70. However, to catapult your success be sure to swot up about stock open market investing and real estate income properties. Real estate other goes up.
If you could even purchase a humble multi-family element while in tenet school and live within one of the units and collect rent - you'd be bad to a great start.
That will allow you to start paying off those academy loans ASAP.
Wishing you a Rich Retirement!
http://www.SoGettingRich.com
Start small. If you can invest a lump sum, then great. If not, build up an "emergency fund" within a money market or reserves account. 3-6 months worth of adjectives your expenses should be the minimum size of the emergency fund. Once you have that resourcefully established, start investing in a Roth IRA (assuming your income is low enough) as much as you can afford short feeling stressed by it.
As soon as you own access to a matching 401k pinch advantage of the maximum amount that the company match. Never skip out on someone giving you "free" money.
If you're really scraping by, it will pinch a while to save up. Save $20 a week if that's adjectives you think you can afford, but clear sure you don't touch it. When you can afford more, add to that.
For your portfolio, once you in actual fact get going, diversify contained by moderate to aggressive investments. You're young satisfactory to try for high growth. As you receive older, cut posterior on the more risky stuff.
IMO, you will probably want to save up for and finish your schooling beforehand you start investing for retirement. The few years it takes to be in motion through school can well be made up for with the superior income you'll likely create after your degree. So, for immediately, keep your money within a savings or money flea market account to use for conservatory.
Investing for retirement is not hard. However, you will want to cram a few basics. A lot of empire focus on the wrong aspects of investing, like current bazaar trends and what specific funds to pick. However, academic research shows that over long period of time your asset allocation and costs determine almost all of the return and risk.
I would raise your spirits you to read a good beginners book on investing. Yes, it will bear time. However, with of late a bit of knowledge, you can reclaim yourself thousands of dollars in the long run. Too copious people hold their retirement money in high-costs funds, not realize the detrimental effects. In chapter 19 of my book, I show that for every 0.5% increase in expenses, over a length of 30+ years, you will fall short by $100,000 or more. So, it pays to swot up about investing.
The following books will know how to point you in the right direction:
1) Mutual Funds for Dummies, by Eric Tyson. Highly recommended.
2) http://www.invest-for-retirement.com... have my free downloadable book. Took me 16 months to write and I don't even charge a dime for it. Enjoy. Even if you cannot read the whole item, you should at least read chapter 19. It is, by far, the most critical chapter.
3) The Boglehead's Guide to Investing
BTW, you may want to consider retiring at an age less than 70. If you start precipitate and squirl away enough money, you should know how to comfortably retire in your 50's, and next enjoy the rest of your existence. Just keep those costs low.
When you are in place to begin investing outside of your company-sponsored retirement description, look to these two firms first. They have the lowest costs:
http://www.vanguard.com
http://www.fidelity.com
(On a side memo: a lot of empire are advocating an emergency fund, and I agree next to them. I have one myself. However, nearby have be a few dissenters to the emergency fund, saying things close to ,"it will take you a long time to build it up", and "you don't necessitate one since you can borrow from your 401(k) or take contributions out of a Roth". Well, first of adjectives, learning to build up an emergency fund will instill discipline surrounded by you. This discipline will be carried over to other areas of your investing, like retirement. Secondly, we inevitability an emergency fund to keep us from pillaging our IRAs. Compounding single works if you leave the money within the account. Thirdly, the prime reason for an emergency fund is for if you lose your situation. You CANNOT borrow from your 401(k) if you lose your job. Think in the order of this: you have vehicle insurance ... yet, you are much more probable to get fired or let go from your job than be surrounded by a car fluke. So, the emegency fund makes devout sense. It is NOT an investment. The emergency fund is an INSURANCE policy, of sorts.)
Put money into IRAs. Money in retirement accounts are not counted against you within your financial aide applications.
Where can I find an investor to fund a biz activity call Starscapes contained by my country?
Question:
Starscapes, an incredible artistic illusion of the star full up night sky, next to thousands of twinkling stars, milky way, galaxy, constellations and even shooting stars; custom installed within any room, on the ceiling and sometimes the walls, in in the order of 1-2 hours and its real undemanding to do. This company orignates from Arizona and here in the caribbean can be a huge nouns. Any one who genuinely would close to to invest in this scheme for a fast turnaround, please dont postpone to contact me. It promises to be quite a rewarding project.
Answers:
peoplewhowanttolosemoney.com
just G00GLE "scheme capital" and your area for a directory. perfect luck...
What is online and offline trading related to share bazaar.?
Question:
as stock brokers provides the service of online and offline trading i want to know that what is that.
Answers:
online:your service provider will provide u login id and password to trade next to shares online,so u can buy and sell through online and transaction will be done through ECS
offline:you involve to trade by going to the place where the service is provided and u involve to select the stock and should give spot on amount of cheque
Offline means dealing through broker..
Online method you can directly buy the shares
On - line you can log against and place the buy and sell advice yourself .
Off line is for culture who are not into computers and want the broker to handle the trades ( approaching it was done past the internet happened ) .
Why is it the shares I buy other nose-dive heavily subsequent morning?
Question:
Answers:
You are probably not looking at the charts right. Buying tops. For illustration, get a chart for VSEC for the finishing three months. Draw a line across the tops and a parallel strip across the bottoms. Makes a channel. Now look at today's price contained by that channel. It is at the top. Time for you to buy because of your curse. Time for me to keep on till it is at the bottom line. Be lenient and look out for your timing. And, if your stocks aren't this "well behaved", find others that are. If you hold access to a good systematic stock screener, you can set it up to show you just those sorts of plays.
Who care, start shorting them instead and you'll be rich.
LOL I've had alike problem lately. but I think I found one that I may hold onto for a while VRTB I presume you will like it's book significance is 7.20 You can probaly buy it at 5.38.
b/c you are buying shares in out of the ordinary lots (non 100 shares buys)
and you are buying based on adjectives information that other small investors are using too -- to buy odd lots
the peculiar lot theory will hold -- the more 'small' investors resembling you buy in , that finances it's time to collect profits, drive the price down , buy in at a lower, and hang about for the next load of small time investors to get fleeced
Let me guess you bought some stocks because you hear some news or watch some TV programs, or took someone who claimed to be the investing expert's advice. Guess what?? millions of other be also exposed to this information, of course plentifully of people are going to buy the subsequent day. This will push the price high, and then the actual shark (hedge, probably) will seize this opportunity to put up for sale and make a profit.
Do not verbs. If it is a good company, the price will be in motion up again. If it is not, then you should enjoy done your homework before you bought that stock.
It's unlikely adjectives of them do, but even so - two things to consider:
By buying individual stocks instead of mutual funds, you are seriously increasing your risk. That can go any way - better gain, or larger losses.
You can't time the market. It moves over long period, with dips and peak along the way. The best warning is to buy and ignore. You'll extremity up making more money if you do that, than if you worry over your investments every daylight.
Look at your investing style. If it's not working, consequently do the opposite.
Because you read or someone told you to buy the share. Everyone similar to you buys and the share becomes overbought.That coincides next to traders selling you that overbought share and getting out with a handsome profit as they bought that same share until that time the price rise.
You're not alone. Just about every investor go through this.
This past weekend I go to a trading seminar. The gentleman conducting the class have it happen to him on a really frequent basis. He referred to it as "Murphy's Law".
Once someone shows you how to do the research [which you discharge for by investing your time reading and/or investing your money in a software program - or more software programs], this is not easier said than done to do. It requires your time and your diligence [doing the research work].
Buying or controlling the right investments at the right time and at the right price, holding on to them until they meet your financial goal and expectations is how to accumulate luxury. When they don’t meet your financial goal and expectations, you sell them. Believe me, this is not “cut and dry”.
A creature should learn some things in the order of the market and how it works. Through these sayings, I can relate you these facts:
A] There are no gifts on Wall Street.
B] You are trading people. You are not trading stocks, bonds or any item else.
C] Trees don't grow to Heaven. Neither do stocks.
D] V.I.C.P.I.E.
Volume Is the Cause; Price Is the Effect.
E] "Bulls make money. Bears construct money. Pigs get chubby. Hogs [greedy traders] get slaughtered."
1] People gross or earn money when the market or their stocks shift up.
2] People make or earn money when the open market or their stocks go down.
3] People put together or earn money when the market or their stocks shift sideways.
I wish you capably!
VTY,
Ron B.
What are some flawless ways to locate a financial advisor?
Question:
Answers:
10. Ask a stranger if they can turn $100 into $1,000 overnight.
9. Complain out loud surrounded by a NYC bar that your broker newly lost you millions.
8. Tell five people that you entail a lot of time insurance.
7. Try the Yellow Pages.
6. Attend a free "Financial/Retirement Planning Seminar."
5. Sign up for a free financial plan when you look at a timeshare.
4. Ask the broker next to you at the Country Club locker room.
3. Ask a friend you trust who they use.
2. Ask an accountant for a referral.
And the number one process to locate a financial advisor:
1. Darts.
OK, in adjectives seriousness, locating someone isn't tough. Finding someone who will actually support you while looking out for your interests is another. It takes some pious planning.
Try this Yahoo! link for starters:
Most financial advisors are sale people. My suggestion is: learn to do it yourself.
I don't know if they are apposite or not as I have not tried them, I in recent times read about this within Money Magazine Oct. 2005. "You can hire a financial planner on an hourly basis by contracting the Garrett Planning Network. Go to garrettplanningnetwork.com or appointment 866/260-8400."
I would agree most financial advisors are out to make a buck but not adjectives, best thing to do is instruct yourself on investing, if your employer offers a 401k start beside that, setup a diversified mix of mutual funds stock and bonds depending on age/risk level, and as you acquire more comfortable perhaps a brokerage side dabbling contained by other types of investments...I would really recommend sticking to just mutual funds.and steering away from individual stocks and option."Quickest way to breed a small fortune is to start with a Large One"..also label sure your not buying loaded mutual funds, that's just extra money you are paying within fees that will reduce your returns, check out Vanguard, Fidelity, and Schwab.these are adjectives discount brokers that offer No Load Mutual Funds.
If you must use an advisor, use one and only a fee-for-service advisor who takes no commissions from any product. Better still, tutor yourself by reading all roughly speaking efficient market and how to diversify and maximize return while minimizing risk
Hi,have anyone bought Vanguard Total Int'l Stock fund in the past?
Question:
heard that it is a totally well diversified fund to hold.any perception where can i buy it?also any view on Fidelity's Spartan Int'l Fund and T.Rowe Price's Int'l Equity Index?Thanks!
Answers:
All generally ably diversified. Check www.morningstar.com to rate against one another on fees, holdings and performance.
You can buy the International Stock Fund directly through Vanguard: www.vanguard.com
Go to Fidelity for the Fidelity funds: www.fidelity.com
Same go for www.troweprice.com
These funds all enjoy minimums for your initial investment.
It's a good one... it's my knowledge that it generally mirrors stocks held within the EAFE index, so it is essentially an index fund. That means low expense ratio, which is hard to find surrounded by a lot of funds beside international exposure. It's 4-star rated by Morningstar and it outperforms its peers for the closing 5 years overall returns. I think it's a biddable choice!
Go to www. vanguard.com to check out buying it through them. You will need a minimum $3000 investment, it appears.
I hold it. YTD it's up 11.8%. Not bad.
You'll own to open an tale with Vanguard to bring back it. See below...
You can find out about Vanguard Total International Stock at http://finance.yahoo.com/q?s=vgtsx... . This fund offer a good blend of foreign stock holdings. Please consider the fund's expense ratio, holdings, and other factor before investing. You can apply for an side or speak with a financial advisor at Vanguard ( http://www.vanguard.com ).
Most of this cross-question has already be addressed, so I will address simply the portion that has not be satisfactorly discussed. That is the interview of diversity. It is one of my pet peeves of index funds. They are not diverse holdings of equities. Far from it. Most are capitalization weighted. That ability they are highly skewed towards the largest companies. And these are no exceptions. As long as you realize that, travel ahead and invest. In fact much of the Vangard fund is invested surrounded by oil companies and drug companies. Keep that contained by mind.
I have owned Vanguard Total International Stock index (VGTSX) for several years immediately. It has done amazingly well over that time, so I would recommend it. As other, "past reading is no guarantee of future results".
VGTSX is certainly a "fund of funds". Its underlying holdings are 58.5% Vanguard European Stock Index Fund, 25.2% Vanguard Pacific Stock Index Fund, and 16.3% Vanguard Emerging Markets Stock Index Fund. So you can see that it is truly well diversified.
I believe that the individual significant foreign stock market VGTSX doesn't invest surrounded by is Canada. Canada isn't in Europe or the Pacific, and isn't an emerging souk, so it seems to be unrepresented within this fund.
Call Vanguard at 877-662-7447 for further info, or use their web site www.vanguard.com
Amendment: By the route VGTSX is not an EAFE index fund, contrary to what one of the other answers says. It differs from the EAFE index because of its holding some of its assets surrounded by emerging markets. That make it better diversified than an EAFE fund, and in recent years have enhanced its performance. But obviously emerging markets aren't going to be booming forever.
if you own the minimum amount to purchase it its not bad. HOWEVER near is a better option from Vanguard the ETF VEU worldwide minus the US pretty much a clone of the mutual funds and with a .2% expense ratio.
When will Organic Bouqet be in motion public?
Question:
it is pre-ipo now, but should be in motion public soon. Any ideas as to when this happen?
Answers:
that would depend on what stage they are in of here offering. there are strict rules they own to follow i would suggest that you read the link below they will explain how it works and later you are able to look at the company and see where on earth it is in the process
Hi,can i find out if anyone have bought the Target Retirement mutual fund from the Vanguard Group?
Question:
other similiar ones would be the Freedom Funds from Fidelity Investment and Retirement Funds from T.Rowe Price.Heard that such types of investments are passively managed and are more suitable for long occupancy investment for retirement.where can i buy such funds?does ETFs suffer any similiarity to such funds?thanks!
Answers:
Remember that they are really funds-of-funds so that even if the target retirement fund is passively manage, they may invest part of the money into funds that are actively manage. (I don't think Vanguard does this, but others do.)
Also, the charge for the target retirement fund is normally *on top of* the fees charged by the underlying funds. But those fees at tiniest from Vanguard and Fidelity are quite defensible.
They are very suitable for long-term investors who don't want to swot anything about the flea market and want a cautious approach to investing. (Too guarded, for my tastes.) They are a set-it-and-forget-it solution.
At one point I have a lot of money contained by the Fidelity Freedom 2xxx fund. But as I learned more going on for economics, finance, and the market, I discovered that their choices were too careful and conservative for my situation (or personality ;)
Since they apportion funds according to a target retirement date, within is no reason you couldn't do this yourself, whether through ETFs or workaday mutual funds. Since they publish how their funds are allocated (x% to S&P500, x% to midcaps, etc.) you can mirror this allocation yourself directly. But just dumping adjectives your investments into a target retirement fund is not a bad means of access to go for investors that really don't want to conjecture any harder about it.
I own the 2035 Target date retirement fund contained by my Roth IRA. I like these target-date fund-of-funds because they allow you to fully diversify near the use of just one fund. They get investing very simple, which is how it should be. Plus, the organizer will make the fund more conservative as you move closer to your date. Just be sure that the asset allocation match up with one you desire. You can other choose one that is not your own retirement date, but that have your desired stock to bond ratio.
There are no target-date retirement ETFs that I know of. And, these would not really make sense. Most inhabitants invest for retirement with regular small contributions. ETFs charge a commission near each purchase, so they are better suited for lump-sum investments. For frequent purchases, a no-load mutual fund is better, IMO.
With some firms, you do reimburse an additional annual expense for the fund-of-fund resting on the expense ratio for the underlying funds. However, Vanguard and Fidelity do not do this. The reported expense ratio is the total expenses you pay, and near are no additional disguised expenses. It says so within the prospectus and is confirmed on www.morningstar.com website where they other list the total expenses.
For more info almost retirement investing, download my free book at http://www.invest-for-retirement.com...