Simple Retirement Investments: Are They Right for You?

One-stop retirement investments make things easy, but you might do better with a more tailored approach.

Feb 28, 2014 at 6:35PM

When it comes to retirement investing, financial companies want to make it as easy as possible for you to invest. But even though investments like target-date retirement funds handle everything automatically, are they really your best retirement investment option?

In the following segment from their video guide to investment planning, Motley Fool director of investment planning Dan Caplinger talks with Fool markets and investment planning bureau chief Mike Klesta about the pros and cons of simple versus complex retirement-investing approaches.

Dan notes that target-date funds, which are available from providers including Fidelity, Vanguard, T. Rowe Price (NASDAQ:TROW), and many other companies, make retirement investing easy. But they don't offer the ability to customize your portfolio. For those who'd rather have more control, Dan suggests that individual stocks and specialized exchange-traded funds can let you tailor your investing approach to your own needs -- and depending on your temperament, that might be your best solution in retirement.

Get what you have coming to you
Beyond investing, you should also make sure that you're getting everything you deserve from Social Security after you retire. In our brand-new free report, "Make Social Security Work Harder for You," our retirement experts give their insight on making the key decisions that will help ensure a more comfortable retirement for you and your family. Click here to get your copy today.

Dan Caplinger, Mike Klesta, and The Motley Fool have no position in any of the stocks mentioned. Try any of our Foolish newsletter services free for 30 days. We Fools don't all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.

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