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Comparing Equity Allocations
| Name | Underlying Fund | Ticker | Expense Ratio | Allocation | Chart |
|---|---|---|---|---|---|
| IFA Optimized Target Date 2070 | Dimensional 2070 Target Dt Rtr Inc Instl | DFARX | 0.24% |
| |
| IFA Optimized Target Date 2065 | Schwab Target 2065 Index | SWYOX | 0.08% |
| |
| IFA Optimized Target Date 2060 | Schwab Target 2060 Index | SWYNX | 0.08% |
| |
| IFA Optimized Target Date 2055 | Schwab Target 2055 Index | SWYJX | 0.08% |
| |
| IFA Optimized Target Date 2050 | Fidelity Freedom® Index 2050 Instl Prem | FFOPX | 0.08% |
| |
| 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 | Vanguard Target Retirement 2030 Fund | VTHRX | 0.08% |
| |
| IFA Optimized Target Date 2025 | Fidelity Freedom® Index 2025 Instl Prem | FFEDX | 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 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 | T. Rowe Price Target I | Fidelity Freedom Instl Prem |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 2026 | 25 | $23.0K | $23.0K | $23.0K | $23.0K | $23.0K | $23.0K | $23.0K | $23.0K | $23.0K |
| 1 | 2027 | 26 | $48.8K | $48.8K | $48.9K | $48.8K | $48.9K | $48.9K | $48.7K | $48.8K | $48.9K |
| 2 | 2028 | 27 | $78.0K | $77.7K | $78.0K | $77.7K | $78.0K | $77.8K | $77.4K | $77.8K | $78.0K |
| 3 | 2029 | 28 | $111K | $110K | $111K | $110K | $111K | $110K | $109K | $110K | $111K |
| 4 | 2030 | 29 | $147K | $146K | $147K | $146K | $147K | $147K | $145K | $146K | $147K |
| 5 | 2031 | 30 | $188K | $186K | $188K | $186K | $188K | $187K | $184K | $187K | $188K |
| 6 | 2032 | 31 | $234K | $231K | $234K | $231K | $234K | $232K | $228K | $231K | $233K |
| 7 | 2033 | 32 | $284K | $280K | $285K | $280K | $284K | $282K | $276K | $281K | $284K |
| 8 | 2034 | 33 | $340K | $335K | $342K | $335K | $340K | $338K | $329K | $336K | $340K |
| 9 | 2035 | 34 | $403K | $396K | $405K | $396K | $403K | $400K | $388K | $398K | $403K |
| 10 | 2036 | 35 | $472K | $463K | $475K | $464K | $472K | $468K | $453K | $466K | $472K |
| 11 | 2037 | 36 | $548K | $538K | $553K | $538K | $549K | $544K | $524K | $541K | $549K |
| 12 | 2038 | 37 | $633K | $620K | $639K | $621K | $633K | $628K | $603K | $623K | $634K |
| 13 | 2039 | 38 | $726K | $711K | $734K | $712K | $726K | $720K | $689K | $714K | $728K |
| 14 | 2040 | 39 | $829K | $811K | $839K | $812K | $829K | $823K | $784K | $814K | $833K |
| 15 | 2041 | 40 | $942K | $922K | $956K | $923K | $942K | $936K | $888K | $924K | $948K |
| 16 | 2042 | 41 | $1.07M | $1.04M | $1.08M | $1.05M | $1.07M | $1.06M | $1.00M | $1.05M | $1.08M |
| 17 | 2043 | 42 | $1.21M | $1.18M | $1.22M | $1.17M | $1.20M | $1.20M | $1.13M | $1.18M | $1.21M |
| 18 | 2044 | 43 | $1.36M | $1.32M | $1.38M | $1.32M | $1.35M | $1.35M | $1.26M | $1.32M | $1.37M |
| 19 | 2045 | 44 | $1.53M | $1.48M | $1.54M | $1.47M | $1.52M | $1.51M | $1.41M | $1.48M | $1.54M |
| 20 | 2046 | 45 | $1.71M | $1.66M | $1.73M | $1.64M | $1.70M | $1.69M | $1.58M | $1.65M | $1.72M |
| 21 | 2047 | 46 | $1.91M | $1.86M | $1.93M | $1.83M | $1.90M | $1.89M | $1.76M | $1.84M | $1.93M |
| 22 | 2048 | 47 | $2.14M | $2.06M | $2.14M | $2.02M | $2.11M | $2.10M | $1.95M | $2.03M | $2.15M |
| 23 | 2049 | 48 | $2.38M | $2.28M | $2.38M | $2.23M | $2.34M | $2.33M | $2.16M | $2.25M | $2.39M |
| 24 | 2050 | 49 | $2.64M | $2.53M | $2.63M | $2.45M | $2.59M | $2.58M | $2.39M | $2.48M | $2.66M |
| 25 | 2051 | 50 | $2.95M | $2.81M | $2.93M | $2.71M | $2.88M | $2.87M | $2.65M | $2.75M | $2.97M |
| 26 | 2052 | 51 | $3.29M | $3.12M | $3.25M | $2.99M | $3.20M | $3.18M | $2.94M | $3.04M | $3.31M |
| 27 | 2053 | 52 | $3.64M | $3.44M | $3.59M | $3.27M | $3.53M | $3.51M | $3.24M | $3.34M | $3.66M |
| 28 | 2054 | 53 | $4.02M | $3.79M | $3.95M | $3.57M | $3.90M | $3.86M | $3.57M | $3.67M | $4.05M |
| 29 | 2055 | 54 | $4.44M | $4.17M | $4.35M | $3.90M | $4.29M | $4.25M | $3.92M | $4.02M | $4.46M |
| 30 | 2056 | 55 | $4.90M | $4.58M | $4.78M | $4.25M | $4.72M | $4.67M | $4.30M | $4.41M | $4.92M |
| 31 | 2057 | 56 | $5.39M | $5.03M | $5.25M | $4.63M | $5.19M | $5.12M | $4.72M | $4.82M | $5.42M |
| 32 | 2058 | 57 | $5.89M | $5.50M | $5.73M | $5.00M | $5.67M | $5.58M | $5.13M | $5.24M | $5.91M |
| 33 | 2059 | 58 | $6.42M | $6.00M | $6.24M | $5.39M | $6.19M | $6.08M | $5.57M | $5.68M | $6.44M |
| 34 | 2060 | 59 | $7.00M | $6.54M | $6.80M | $5.81M | $6.75M | $6.62M | $6.05M | $6.16M | $7.02M |
| 35 | 2061 | 60 | $7.63M | $7.13M | $7.41M | $6.26M | $7.36M | $7.19M | $6.56M | $6.68M | $7.64M |
| 36 | 2062 | 61 | $8.31M | $7.77M | $8.06M | $6.74M | $8.02M | $7.82M | $7.11M | $7.23M | $8.31M |
| 37 | 2063 | 62 | $8.99M | $8.41M | $8.69M | $7.20M | $8.67M | $8.45M | $7.65M | $7.78M | $9.00M |
| 38 | 2064 | 63 | $9.73M | $9.11M | $9.37M | $7.69M | $9.37M | $9.12M | $8.24M | $8.36M | $9.73M |
| 39 | 2065 | 64 | $10.52M | $9.86M | $10.10M | $8.20M | $10.12M | $9.84M | $8.86M | $8.99M | $10.52M |
| 40 | 2066 | 65 | $10.60M | $9.93M | $10.13M | $8.13M | $10.17M | $9.89M | $8.86M | $8.98M | $10.59M |
| 41 | 2067 | 66 | $10.67M | $10.00M | $10.16M | $8.06M | $10.23M | $9.93M | $8.86M | $8.97M | $10.67M |
| 42 | 2068 | 67 | $10.70M | $10.00M | $10.11M | $7.94M | $10.20M | $9.93M | $8.82M | $8.92M | $10.70M |
| 43 | 2069 | 68 | $10.73M | $10.01M | $10.05M | $7.83M | $10.18M | $9.92M | $8.78M | $8.87M | $10.73M |
| 44 | 2070 | 69 | $10.77M | $10.01M | $9.99M | $7.72M | $10.16M | $9.91M | $8.74M | $8.82M | $10.76M |
| 45 | 2071 | 70 | $10.80M | $10.01M | $9.94M | $7.62M | $10.14M | $9.91M | $8.70M | $8.77M | $10.79M |
| 46 | 2072 | 71 | $10.83M | $10.02M | $9.88M | $7.51M | $10.11M | $9.90M | $8.66M | $8.72M | $10.82M |
| 47 | 2073 | 72 | $10.79M | $9.93M | $9.83M | $7.40M | $10.08M | $9.85M | $8.61M | $8.65M | $10.79M |
| 48 | 2074 | 73 | $10.76M | $9.85M | $9.77M | $7.30M | $10.04M | $9.80M | $8.56M | $8.58M | $10.75M |
| 49 | 2075 | 74 | $10.72M | $9.76M | $9.72M | $7.19M | $10.00M | $9.75M | $8.51M | $8.51M | $10.72M |
| 50 | 2076 | 75 | $10.68M | $9.68M | $9.66M | $7.09M | $9.96M | $9.70M | $8.46M | $8.44M | $10.68M |
| 51 | 2077 | 76 | $10.65M | $9.60M | $9.61M | $6.99M | $9.93M | $9.65M | $8.42M | $8.37M | $10.64M |
| 52 | 2078 | 77 | $10.59M | $9.51M | $9.55M | $6.89M | $9.87M | $NaN | $8.35M | $8.30M | $10.56M |
| 53 | 2079 | 78 | $10.53M | $9.42M | $9.50M | $6.78M | $9.81M | $NaN | $8.28M | $8.22M | $10.47M |
| 54 | 2080 | 79 | $10.46M | $9.32M | $9.45M | $6.68M | $9.75M | $NaN | $8.22M | $8.15M | $10.38M |
| 55 | 2081 | 80 | $10.40M | $9.23M | $9.39M | $6.58M | $9.70M | $NaN | $8.15M | $8.08M | $10.29M |
| 56 | 2082 | 81 | $10.34M | $9.14M | $9.34M | $6.48M | $9.64M | $NaN | $8.08M | $8.01M | $10.21M |
| 57 | 2083 | 82 | $10.29M | $9.06M | $9.29M | $6.39M | $9.56M | $NaN | $8.01M | $7.93M | $10.08M |
| 58 | 2084 | 83 | $10.23M | $8.97M | $9.24M | $6.29M | $9.47M | $NaN | $7.93M | $7.85M | $9.96M |
| 59 | 2085 | 84 | $10.17M | $8.88M | $9.18M | $6.20M | $9.39M | $NaN | $7.85M | $7.77M | $9.83M |
| 60 | 2086 | 85 | $10.11M | $8.79M | $9.13M | $6.11M | $9.30M | $NaN | $7.78M | $7.69M | $9.71M |
| 61 | 2087 | 86 | $10.06M | $8.71M | $9.08M | $6.01M | $9.22M | $NaN | $7.70M | $7.62M | $9.59M |
| 62 | 2088 | 87 | $10.00M | $8.62M | $9.03M | $5.92M | $9.14M | $NaN | $7.63M | $7.54M | $9.44M |
| 63 | 2089 | 88 | $9.94M | $8.54M | $8.98M | $5.83M | $9.06M | $NaN | $7.56M | $7.46M | $9.29M |
| 64 | 2090 | 89 | $9.89M | $8.46M | $8.93M | $5.75M | $8.97M | $NaN | $7.48M | $7.38M | $9.14M |
| 65 | 2091 | 90 | $9.83M | $8.38M | $8.88M | $5.66M | $8.89M | $NaN | $7.41M | $7.30M | $8.99M |
| 66 | 2092 | 91 | $9.78M | $8.30M | $8.83M | $5.58M | $8.81M | $NaN | $7.34M | $7.22M | $8.85M |
| 67 | 2093 | 92 | $9.72M | $8.21M | $8.78M | $5.49M | $8.74M | $NaN | $7.27M | $7.15M | $8.72M |
| 68 | 2094 | 93 | $9.67M | $8.14M | $8.73M | $5.41M | $8.66M | $NaN | $7.20M | $7.07M | $8.60M |
| 69 | 2095 | 94 | $9.61M | $8.06M | $8.68M | $5.33M | $8.58M | $NaN | $7.13M | $7.00M | $8.48M |
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 2070 | About 44 More Years | ≥ 2003 | ≤ 23 | ≥ 2068 |
| IFA Optimized Target Date 2065 | About 39 More Years | 1998 to 2002 | 24 to 28 | 2063 to 2067 |
| IFA Optimized Target Date 2060 | About 34 More Years | 1993 to 1997 | 29 to 33 | 2058 to 2062 |
| IFA Optimized Target Date 2055 | About 29 More Years | 1988 to 1992 | 34 to 38 | 2053 to 2057 |
| IFA Optimized Target Date 2050 | About 24 More Years | 1983 to 1987 | 39 to 43 | 2048 to 2052 |
| IFA Optimized Target Date 2045 | About 19 More Years | 1978 to 1982 | 44 to 48 | 2043 to 2047 |
| IFA Optimized Target Date 2040 | About 14 More Years | 1973 to 1977 | 49 to 53 | 2038 to 2042 |
| IFA Optimized Target Date 2035 | About 9 More Years | 1968 to 1972 | 54 to 58 | 2033 to 2037 |
| IFA Optimized Target Date 2030 | About 4 More Years | 1963 to 1967 | 59 to 63 | 2028 to 2032 |
| IFA Optimized Target Date 2025 | In Retirement | 1958 to 1962 | 64 to 68 | 2023 to 2027 |
| IFA Optimized Target Date 2020 | In Retirement | 1953 to 1957 | 69 to 73 | 2018 to 2022 |
| IFA Optimized Target Date 2015 | In Retirement | 1948 to 1952 | 74 to 78 | 2013 to 2017 |
| IFA Optimized Target Date Retirement | In Retirement | ≤ 1947 | ≥ 79 | ≤ 2012 |
Disclosures and Assumptions:
- 3 Year Return Data is from 05/1/2022-4/30/2025.
- 5 Year Return Data is from 05/1/2020-4/30/2025.
- 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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