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10 Best Funds for Your Retirement


NEW YORK ( TheStreet Ratings) -- Ratings reviews the risk-adjusted return performance of around 25,000 funds every month. There is no time like the present to select from among the best rated asset allocation funds to build a retirement nest egg.

If you are planning to retire in about 30 years, take a look at the following funds targeted for a retirement in the year 2040. Each of the fund families offers additional funds with a variety of retirement dates attempting to match your particular retirement date goal. The benefit of holding a target date fund is that, over time, the allocation of the portfolio becomes more conservative by shifting from stocks to bonds.

Here are the 10 best 2040 retirement funds:


10. John Hancock Funds II Lifecycle 2040 Portfolio R1

John Hancock Funds II Lifecycle 2040 Portfolio R1 (JLIDX) seeks high total return until its target retirement date. The fund which is a fund of funds, invests, substantially all of its assets in underlying funds using an asset allocation strategy designed for investors expected to retire in 2040.

Expense Ratio: 1.98%

Load: 0.00%

Rated "C+" by TheStreet Ratings:


9. Oppenheimer Transition 2040 N

Oppenheimer Transition 2040 N (OTINX) has an investment objective to seek total return until the target retirement date included in its name and then seeks income and secondarily capital growth. The fund is a fund of funds which invests in diversified portfolio of underlying funds. The fund may invest 85% of its assets in equity securities and 15% in fixed income securities and other securities.

Expense Ratio: 1.66%

Load: 0.00%

Rated "C+" by TheStreet Ratings:


8. PIMCO RealRetirement 2040 R

PIMCO RealRetirement 2040 R (POFRX) seeks to maximize real return, consistent with preservation of real capital during the accumulation years and current income during the retirement years. The fund seeks to achieve its investment objective by investing in underlying funds. The fund may invest up to 30% of its total assets directly in securities denominated in foreign currencies and may invest beyond this limit in US dollar-denominated securities of foreign issuers. The fund may invest up to 15% of its total assets directly in securities and instruments that are economically tied to emerging market countries. The fund may limit its foreign currency exposure to 20% of its total assets.

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