Has anybody invested money in a retirement target account with either t rowe or vanguard ?

Looking to hear some opinions and what happens? Do you invest every month? Does the fund take care of all the investment? If a fund says a 10% return does this mean what you will earn on your money before tax or is that the gross return out of which they take their fees?


How is the return on these retirement target funds viewed for tax purposes? Do you get taxed on the gross return, only on the net return after fees?
Has anybody invested money in a retirement target account with either t rowe or vanguard ?
I have a Roth IRA invested in a T. Rowe Price target date fund and have been very happy with it. I contribute monthly via EFT from my checking account. I consider T. Rowe Price one of the best mutual fund houses out there.





Target date funds are specifically designed for tax-sheltered retirement accounts - 401(k), 403(b), IRAs, etc. It wouldn't make sense to hold them in a taxable account as they would not be tax-efficient.
Reply:you bet ye, very good fund.