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Comparing Equity Allocations
| Name | Underlying Fund | Ticker | Expense Ratio | Allocation | Chart |
|---|---|---|---|---|---|
| IFA Optimized Target Date 2065 | BlackRock LifePath® Index 2065 K | LIWKX | 0.09% |
| |
| IFA Optimized Target Date 2060 | BlackRock LifePath® Index 2060 K | LIZKX | 0.09% |
| |
| IFA Optimized Target Date 2055 | BlackRock LifePath® Index 2055 K | LIVKX | 0.09% |
| |
| IFA Optimized Target Date 2050 | BlackRock LifePath® Index 2050 K | LIPKX | 0.09% |
| |
| IFA Optimized Target Date 2045 | Fidelity Freedom® Index 2045 Instl Prem | FFOLX | 0.08% |
| |
| IFA Optimized Target Date 2040 | Fidelity Freedom® Index 2040 Instl Prem | FFIZX | 0.08% |
| |
| IFA Optimized Target Date 2035 | Schwab Target 2035 Index | SWYFX | 0.08% |
| |
| IFA Optimized Target Date 2030 | Schwab Target 2030 Index | SWYEX | 0.08% |
| |
| IFA Optimized Target Date 2025 | Vanguard Target Retirement 2025 Inv | VTTVX | 0.08% |
| |
| IFA Optimized Target Date 2020 | Fidelity Freedom® Index 2020 Instl Prem | FIWTX | 0.08% |
| |
| IFA Optimized Target Date 2015 | Schwab Target 2015 Index | SWYBX | 0.08% |
| |
| IFA Optimized Target Date 2010 | BlackRock LifePath® Index Retire K | LIRKX | 0.09% |
| |
| IFA Optimized Target Date Retirement Income | BlackRock LifePath® Index Retire K | LIRKX | 0.09% |
|
Growth of Wealth (Assumed Returns for Equity and Fixed Income)
| # | Year | Age | IFA Optimized Target Dates | Vanguard Target Retirement Inv | Blackrock LifePath Index K | Dimensional Target Dt Rtr Inc Instl | Schwab Target Index | Principal LifeTime Hybrid Instl | American Funds Trgt Date Retire R6 | Transamerica ClearTrack R6 | T. Rowe Price Target I | Fidelity Freedom Instl Prem |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 2025 | 25 | $23.0K | $23.0K | $23.0K | $23.0K | $23.0K | $23.0K | $23.0K | $23.0K | $23.0K | $23.0K |
| 1 | 2026 | 26 | $48.9K | $48.8K | $48.9K | $48.8K | $48.9K | $48.9K | $48.7K | $48.7K | $48.8K | $48.8K |
| 2 | 2027 | 27 | $77.9K | $77.6K | $77.9K | $77.7K | $78.0K | $77.9K | $77.3K | $77.4K | $77.8K | $77.7K |
| 3 | 2028 | 28 | $110K | $110K | $110K | $110K | $111K | $110K | $109K | $109K | $110K | $110K |
| 4 | 2029 | 29 | $147K | $146K | $147K | $146K | $147K | $147K | $144K | $145K | $146K | $146K |
| 5 | 2030 | 30 | $187K | $186K | $187K | $186K | $188K | $187K | $183K | $184K | $187K | $186K |
| 6 | 2031 | 31 | $233K | $230K | $233K | $231K | $234K | $232K | $227K | $228K | $231K | $231K |
| 7 | 2032 | 32 | $283K | $279K | $283K | $280K | $284K | $283K | $275K | $276K | $281K | $281K |
| 8 | 2033 | 33 | $339K | $334K | $339K | $336K | $341K | $339K | $328K | $329K | $336K | $336K |
| 9 | 2034 | 34 | $401K | $394K | $401K | $397K | $403K | $401K | $386K | $388K | $398K | $397K |
| 10 | 2035 | 35 | $470K | $461K | $470K | $464K | $473K | $469K | $450K | $453K | $466K | $465K |
| 11 | 2036 | 36 | $547K | $534K | $547K | $539K | $549K | $546K | $521K | $524K | $540K | $540K |
| 12 | 2037 | 37 | $631K | $616K | $631K | $622K | $634K | $630K | $599K | $602K | $622K | $623K |
| 13 | 2038 | 38 | $725K | $705K | $725K | $714K | $727K | $723K | $684K | $688K | $713K | $714K |
| 14 | 2039 | 39 | $828K | $804K | $828K | $814K | $830K | $827K | $778K | $782K | $813K | $815K |
| 15 | 2040 | 40 | $943K | $913K | $943K | $926K | $944K | $941K | $881K | $886K | $924K | $926K |
| 16 | 2041 | 41 | $1.07M | $1.03M | $1.07M | $1.05M | $1.07M | $1.07M | $993K | $999K | $1.04M | $1.05M |
| 17 | 2042 | 42 | $1.20M | $1.17M | $1.20M | $1.18M | $1.21M | $1.20M | $1.12M | $1.12M | $1.17M | $1.18M |
| 18 | 2043 | 43 | $1.35M | $1.31M | $1.35M | $1.32M | $1.36M | $1.36M | $1.25M | $1.26M | $1.32M | $1.33M |
| 19 | 2044 | 44 | $1.52M | $1.47M | $1.52M | $1.48M | $1.52M | $1.52M | $1.40M | $1.41M | $1.48M | $1.50M |
| 20 | 2045 | 45 | $1.70M | $1.65M | $1.70M | $1.66M | $1.71M | $1.71M | $1.56M | $1.57M | $1.65M | $1.68M |
| 21 | 2046 | 46 | $1.90M | $1.83M | $1.90M | $1.83M | $1.90M | $1.91M | $1.74M | $1.74M | $1.83M | $1.88M |
| 22 | 2047 | 47 | $2.12M | $2.03M | $2.11M | $2.02M | $2.12M | $2.12M | $1.93M | $1.93M | $2.03M | $2.09M |
| 23 | 2048 | 48 | $2.37M | $2.26M | $2.34M | $2.23M | $2.35M | $2.36M | $2.14M | $2.14M | $2.24M | $2.33M |
| 24 | 2049 | 49 | $2.63M | $2.50M | $2.59M | $2.45M | $2.61M | $2.61M | $2.37M | $2.36M | $2.48M | $2.60M |
| 25 | 2050 | 50 | $2.94M | $2.78M | $2.88M | $2.71M | $2.90M | $2.91M | $2.63M | $2.62M | $2.75M | $2.90M |
| 26 | 2051 | 51 | $3.26M | $3.07M | $3.18M | $2.97M | $3.22M | $3.22M | $2.91M | $2.89M | $3.03M | $3.22M |
| 27 | 2052 | 52 | $3.62M | $3.39M | $3.51M | $3.25M | $3.56M | $3.56M | $3.22M | $3.18M | $3.33M | $3.57M |
| 28 | 2053 | 53 | $4.01M | $3.74M | $3.87M | $3.55M | $3.93M | $3.93M | $3.55M | $3.50M | $3.66M | $3.96M |
| 29 | 2054 | 54 | $4.43M | $4.12M | $4.26M | $3.88M | $4.34M | $4.33M | $3.91M | $3.84M | $4.02M | $4.38M |
| 30 | 2055 | 55 | $4.90M | $4.53M | $4.68M | $4.23M | $4.78M | $4.77M | $4.31M | $4.22M | $4.40M | $4.84M |
| 31 | 2056 | 56 | $5.36M | $4.96M | $5.11M | $4.58M | $5.24M | $5.22M | $4.70M | $4.59M | $4.79M | $5.29M |
| 32 | 2057 | 57 | $5.87M | $5.42M | $5.57M | $4.95M | $5.74M | $5.69M | $5.12M | $4.99M | $5.21M | $5.79M |
| 33 | 2058 | 58 | $6.42M | $5.92M | $6.07M | $5.35M | $6.28M | $6.21M | $5.58M | $5.43M | $5.66M | $6.32M |
| 34 | 2059 | 59 | $7.01M | $6.46M | $6.60M | $5.78M | $6.86M | $6.77M | $6.07M | $5.89M | $6.14M | $6.91M |
| 35 | 2060 | 60 | $7.66M | $7.04M | $7.18M | $6.24M | $7.49M | $7.37M | $6.59M | $6.39M | $6.66M | $7.53M |
| 36 | 2061 | 61 | $8.31M | $7.64M | $7.75M | $6.68M | $8.13M | $7.98M | $7.12M | $6.88M | $7.17M | $8.17M |
| 37 | 2062 | 62 | $9.01M | $8.29M | $8.36M | $7.15M | $8.81M | $8.63M | $7.69M | $7.40M | $7.72M | $8.85M |
| 38 | 2063 | 63 | $9.76M | $8.98M | $9.02M | $7.65M | $9.55M | $9.34M | $8.30M | $7.96M | $8.30M | $9.58M |
| 39 | 2064 | 64 | $10.57M | $9.73M | $9.72M | $8.18M | $10.35M | $10.09M | $8.96M | $8.55M | $8.93M | $10.37M |
| 40 | 2065 | 65 | $10.66M | $9.81M | $9.75M | $8.12M | $10.44M | $10.16M | $8.98M | $8.54M | $8.92M | $10.45M |
| 41 | 2066 | 66 | $10.68M | $9.83M | $9.71M | $8.01M | $10.44M | $10.16M | $8.95M | $8.48M | $8.87M | $10.49M |
| 42 | 2067 | 67 | $10.70M | $9.85M | $9.67M | $7.90M | $10.44M | $10.17M | $8.92M | $8.42M | $8.81M | $10.53M |
| 43 | 2068 | 68 | $10.72M | $9.87M | $9.64M | $7.79M | $10.44M | $10.17M | $8.89M | $8.36M | $8.75M | $10.57M |
| 44 | 2069 | 69 | $10.75M | $9.89M | $9.60M | $7.68M | $10.44M | $10.18M | $8.86M | $8.30M | $8.69M | $10.61M |
| 45 | 2070 | 70 | $10.77M | $9.91M | $9.56M | $7.58M | $10.44M | $10.18M | $8.83M | $8.24M | $8.64M | $10.65M |
| 46 | 2071 | 71 | $10.75M | $9.84M | $9.51M | $7.47M | $10.41M | $10.15M | $8.79M | $NaN | $8.56M | $10.63M |
| 47 | 2072 | 72 | $10.73M | $9.77M | $9.45M | $7.37M | $10.38M | $10.11M | $8.75M | $NaN | $8.48M | $10.61M |
| 48 | 2073 | 73 | $10.71M | $9.71M | $9.40M | $7.26M | $10.35M | $10.07M | $8.71M | $NaN | $8.40M | $10.59M |
| 49 | 2074 | 74 | $10.69M | $9.64M | $9.34M | $7.16M | $10.32M | $10.04M | $8.67M | $NaN | $8.32M | $10.57M |
| 50 | 2075 | 75 | $10.67M | $9.58M | $9.29M | $7.06M | $10.29M | $10.00M | $8.64M | $NaN | $8.25M | $10.55M |
| 51 | 2076 | 76 | $10.61M | $9.47M | $9.23M | $6.96M | $10.24M | $9.92M | $8.57M | $NaN | $8.16M | $10.46M |
| 52 | 2077 | 77 | $10.56M | $9.36M | $9.18M | $6.87M | $10.19M | $9.83M | $8.51M | $NaN | $8.08M | $10.37M |
| 53 | 2078 | 78 | $10.51M | $9.26M | $9.12M | $6.77M | $10.14M | $9.75M | $8.45M | $NaN | $7.99M | $10.28M |
| 54 | 2079 | 79 | $10.46M | $9.16M | $9.07M | $6.68M | $10.09M | $9.67M | $8.39M | $NaN | $7.91M | $10.20M |
| 55 | 2080 | 80 | $10.41M | $9.06M | $9.02M | $6.59M | $10.04M | $9.59M | $8.33M | $NaN | $7.82M | $10.11M |
| 56 | 2081 | 81 | $10.35M | $8.96M | $8.96M | $6.44M | $9.97M | $9.51M | $8.26M | $NaN | $7.73M | $9.96M |
| 57 | 2082 | 82 | $10.29M | $8.86M | $8.91M | $6.30M | $9.89M | $9.43M | $8.20M | $NaN | $7.64M | $9.82M |
| 58 | 2083 | 83 | $10.23M | $8.76M | $8.86M | $6.17M | $9.82M | $9.35M | $8.13M | $NaN | $7.55M | $9.67M |
| 59 | 2084 | 84 | $10.17M | $8.66M | $8.81M | $6.03M | $9.75M | $9.27M | $8.07M | $NaN | $7.47M | $9.53M |
| 60 | 2085 | 85 | $10.11M | $8.56M | $8.76M | $5.90M | $9.68M | $9.19M | $8.01M | $NaN | $7.38M | $9.39M |
| 61 | 2086 | 86 | $10.05M | $8.47M | $8.70M | $5.77M | $9.60M | $9.11M | $7.95M | $NaN | $7.29M | $9.24M |
| 62 | 2087 | 87 | $9.99M | $8.38M | $8.65M | $5.63M | $9.53M | $9.04M | $7.89M | $NaN | $7.20M | $9.09M |
| 63 | 2088 | 88 | $9.93M | $8.28M | $8.60M | $5.50M | $9.46M | $8.96M | $7.83M | $NaN | $7.11M | $8.95M |
| 64 | 2089 | 89 | $9.87M | $8.19M | $8.55M | $5.37M | $9.39M | $8.89M | $7.77M | $NaN | $7.02M | $8.80M |
| 65 | 2090 | 90 | $9.82M | $8.10M | $8.50M | $5.24M | $9.32M | $8.81M | $7.71M | $NaN | $6.94M | $8.66M |
| 66 | 2091 | 91 | $9.76M | $8.01M | $8.45M | $5.12M | $9.25M | $8.74M | $7.65M | $NaN | $6.85M | $8.49M |
| 67 | 2092 | 92 | $9.70M | $7.92M | $8.40M | $5.00M | $9.18M | $8.67M | $7.59M | $NaN | $6.77M | $8.33M |
| 68 | 2093 | 93 | $9.64M | $7.83M | $8.35M | $4.88M | $9.12M | $8.59M | $7.53M | $NaN | $6.69M | $8.17M |
| 69 | 2094 | 94 | $9.59M | $7.75M | $8.30M | $4.77M | $9.05M | $8.52M | $7.47M | $NaN | $6.61M | $8.01M |
Indicates a year in retirement.
* Values marked as 'N/A' indicate that there is insufficient data available to provide a valid result.
Group | Category/Name | Equity % | Fixed Income % | Cash % | Other % | Assumed Weighted Return % | Expense Ratio |
|---|
Choosing a Fund
To determine your anticipated retirement year, refer to the table below:
| Name | Years to Retirement | Birth Year | Current Age | Retirement Year at Age 65 |
|---|---|---|---|---|
| IFA Optimized Target Date 2065 | About 40 More Years | ≥ 1998 | ≤ 27 | ≥ 2063 |
| IFA Optimized Target Date 2060 | About 35 More Years | 1993 to 1997 | 28 to 32 | 2058 to 2062 |
| IFA Optimized Target Date 2055 | About 30 More Years | 1988 to 1992 | 33 to 37 | 2053 to 2057 |
| IFA Optimized Target Date 2050 | About 25 More Years | 1983 to 1987 | 38 to 42 | 2048 to 2052 |
| IFA Optimized Target Date 2045 | About 20 More Years | 1978 to 1982 | 43 to 47 | 2043 to 2047 |
| IFA Optimized Target Date 2040 | About 15 More Years | 1973 to 1977 | 48 to 52 | 2038 to 2042 |
| IFA Optimized Target Date 2035 | About 10 More Years | 1968 to 1972 | 53 to 57 | 2033 to 2037 |
| IFA Optimized Target Date 2030 | About 5 More Years | 1963 to 1967 | 58 to 62 | 2028 to 2032 |
| IFA Optimized Target Date 2025 | In Retirement | 1958 to 1962 | 63 to 67 | 2023 to 2027 |
| IFA Optimized Target Date 2020 | In Retirement | 1953 to 1957 | 68 to 72 | 2018 to 2022 |
| IFA Optimized Target Date 2015 | In Retirement | 1948 to 1952 | 73 to 77 | 2013 to 2017 |
| IFA Optimized Target Date 2010 | In Retirement | 1943 to 1947 | 78 to 82 | 2008 to 2012 |
| IFA Optimized Target Date Retirement | In Retirement | ≤ 1942 | ≥ 83 | ≤ 2007 |
Disclosures and Assumptions:
- 3 Year Return Data is from 06/1/2021-5/31/2024.
- 5 Year Return Data is from 06/1/2019-5/31/2024.
- Return Data and Expense Ratio data Source: Morningstar Direct.
- Weighted Assumed Return = (0% * Cash) + (10% * Equity) + (3.5% * Fixed Income) + (3.5% * Other) - Net Expense Ratio %
- Growth of Wealth data is presented for illustration purposes only. There are no guarantees investment strategies will be successful. Actual performance will vary.
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TermsDisclosuresIndex DescriptionsForm CRS The data provided in charts referring to IFA Index Portfolios is hypothetical back-tested performance and is not actual client performance. Performance data for the IFA Index Portfolios is shown net of IFA's highest advisory fee and the underlying mutual fund expenses. IFA Indexes when shown individually do not reflect a deduction of advisory fees. None of the data reflects trading costs or taxes, which would have lowered performance by these costs. See more important disclosures at ifabt.com.
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