1-2-3

Easy as...

Industry professionals and academicians agree that there are three investing life stages:

1) Accumulation (21-40)

2) Consolidation (41-60)

3) Retirement (61+)

Age ranges vary. However, there is agreement on the number: Three.

So, what does the industry do? It creates 5, 7, 9, even 16! age-based, such as, target date funds.

???

This contradicts the accepted 3 stages, is confusing, and gives the impression that the sheer numbers of funds will assure a custom fit.

1-2-3 corrects this, and greatly simplifies investing!