I Will Teach You to Be Rich: No Guilt. No Excuses. No B.S. Just a 6-Week Program That Works.

by Ramit Sethi

You’ll notice that Vanguard offers funds with names like “Target Retirement 2040,” “Target Retirement 2045,” and “Target Retirement 2050.” The main difference among these funds is how they’re allocated: The larger the number (which represents the year you’ll retire), the more equities (stocks) the fund has.