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10 Best Funds for Your Retirement

Expense Ratio: 2.02%

Load: 0.00%

Rated "C+" by TheStreet Ratings:

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7. American Funds 2040 Target Date Retirement Fund R3

American Funds 2040 Target Date Retirement Fund R3 (RCKTX) is designed for investor retiring around 2040. Investing in this fund may be a prudent way to save for retirement in a single fund. The fund seeks to provide a balance of growth, income, and capital conservation that gets more conservative over time. The portfolio becomes more income-oriented as the fund approaches and passes its target date. The fund will invest around 40 percent of its assets in growth funds, 10 percent in equity income & balanced funds, 45 percent in growth and income funds, and 5 percent in bond funds.

Expense Ratio: 1.24%

Load: 0.00%

Rated "C+" by TheStreet Ratings:

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6. MassMutual RetireSMART 2040 S

MassMutual RetireSMART 2040 S (MFRSX) seeks to achieve a high total rate of return on an annual basis. The fund seeks to achieve its investment objective by investing in a combination of Mass Mutual equity, fixed income, and money market funds using an asset allocation strategy designed for investors expecting to retire around the year 2040. Assets are allocated among underlying Select funds and Premier funds according to an asset allocation strategy that becomes increasingly conservative until it reaches 25% in equity funds and 75% in fixed income funds.

Expense Ratio: 0.98%

Load: 0.00%

Rated "C+" by TheStreet Ratings:

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5. USAA Target Retirement 2040 Fund

USAA Target Retirement 2040 Fund (URFRX) has an investment objective to provide capital appreciation and current income consistent with its current investment allocation. The fund attempts to achieve its objective by investing in a diversified portfolio of underlying mutual funds according to an asset allocation strategy designed for investors planning to start withdrawing funds for retirement in or within a few years of the Funds target date included in its name.

Expense Ratio: 0.79%

Load: 0.00%

Rated "C+" by TheStreet Ratings:

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4. Fidelity Income Replacement 2040 Fund

Fidelity Income Replacement 2040 Fund (FIRWX) seeks total return through combination of current income and capital growth. The fund is a fund of funds. The fund may invest in a combination of underlying Fidelity equity, fixed income and short term funds using an asset allocation strategy.

Expense Ratio: 0.65%

Load: 0.00%

Rated "B-" by TheStreet Ratings:

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3. MFS Lifetime 2040 I

MFS Lifetime 2040 I (MLFIX) has an investment objective to seek a high level of total return consistent with its asset allocation until the approximate retirement year. The fund seeks total return through a combination of current income and capital appreciation. The fund is designed to provide diversification among different asset classes by investing the majority of its assets in other mutual funds. The fund may invest 80% of its assets in U.S. stock funds and 20% of its assets in international stock funds. The fund also may invest in bond funds and money market funds.

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