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VANGUARD Target Retirement Funds - The BIG PROBLEM With Them!

Let's take a look at the Vanguard Target Retirement Funds. And more specifically, why I have a problem with them. Last week I looked at Vanguard in detail and specifically the Lifestrategy funds which, on the whole I like. Link to that video here    • VANGUARD LifeStrategy Funds Explained...   But they have a range of funds called the Target Retirement Funds and in today’s video I want to explain why I don’t like them. “When do you want to retire? Whatever your target date, we have a fund for you.” That’s the strap line from their website. There are currently 11 different Target Retirement Funds each one has a year in the title starting at the target retirement 2015 fund and then in 5 year intervals all the way upto the 2065 target retirement fund. The year is the year you want to retire. If you are someone who is working towards FIRE (financial independence retire early) then I think these funds really are to be avoided. The problem is, if you’re a dreamer like me and have every intention of retiring earlier than the norm, these target retirement funds just aren’t the answer as far as I’m concerned. ----------------------------------------------------------------------------------------------------------------------- Hi there! My name is Tom Morgan, Founder & Financial Planner of Orca Wealth Ltd, welcome to my YouTube channel ‘That Finance Show’. I’m very glad to have you here because this channel gives me the opportunity to help people and share information with those who wouldn’t normally get it. ► MY INDEPENDENT REGULATED FINANCIAL PLANNING BUSINESS – Orca Wealth Ltd. If you are interested in how proper Financial Planning could help you visit my website below to learn more and enquire. 🎯www.orcawealth.co.uk Orca Wealth Ltd (FRN: 1007211) is an appointed representative of Sense Network Ltd (FRN: 465124) , which is authorised and regulated by the Financial Conduct Authority. ► MY ONLINE STORE (for all your TFS goodies, T Shirts, Mugs etc) 🎯www.thatfinanceshow.com ► TRADING 212 (for investing in funds and individual shares) If you want to use Trading 212, use this link and get yourself a free share worth upto £100! 🎯 https://www.trading212.com/invite/FMJ... Trading 212 UK Ltd. is Authorised and Regulated by the Financial Conduct Authority (FRN: 609146). ► INVESTENGINE (for investing in ETF’s only) Get £25 when you invest at least £100 with InvestEngine (Ts&Cs apply) with this link: 🎯 https://investengine.pxf.io/x9d6gx InvestEngine (UK) Limited is Authorised and Regulated by the Financial Conduct Authority (FRN: 801128). DISCLAIMER: Some of these links may be affiliate links. If you purchase a product or service using one of these links, I will receive a small commission from the seller. There will be no additional charge for you. ----------------------------------------------------------------------------------------------------------------------- Follow the fun on Instagram: @thatfinanceshow RISK WARNINGS When investing remember, your capital is at risk. Investments can fall and rise and you may get back less than you invested. Tax treatment depends on your individual circumstances and may be subject to change. This channel is for information and entertainment only. The information provided by Tom and That Finance Show is not intended to address your particular requirements and should not be construed as advice. Neither Tom or ‘That Finance Show’ will not be held responsible for any actions you take as a result of watching these videos. #vanguard #targetretirementfunds #vanguarduk