The podcast discusses retirement planning and target date funds. It explains that target date funds automatically become more conservative over time by adjusting the mix of stocks, bonds, and cash as the target retirement date approaches. The podcast provides examples of different target date funds and their current allocations, including one fund that is 90% stocks, 7% bonds, and 3% cash. It cautions investors to carefully consider the stocks and funds that make up target date funds.

1. Mullooly Asset Management Podcast
February 6, 2013
Mullooly Asset Management February 2013

2. When You Retire…
Do you want to get swung around by the stock
market?
Where will interest rates be?
Mullooly Asset Management February 2013

3. When Your Child is Ready for College…
Should that 529 account be…
All in stocks?
All in short-term bonds?
Mullooly Asset Management February 2013

4. From T Rowe Price website:
Investment objective – provide highest total return with
emphasis on capital growth/income
Strategy – To invest in a diversified portfolio …that
represent various asset classes and sectors. As the fund
nears its target retirement date, its allocation … will
become more conservative over time based on a pre-
determined “glide path”.
Mullooly Asset Management February 2013

5. TRRDX T Rowe Price 2040 Fund
Currently:
-90% in stocks
-7% in bonds
-3% cash
Of 90% in stocks:
-74% large caps
-21% mid caps
-5% small caps
Mullooly Asset Management February 2013

6. With all Target Date
(or Age-Based) Funds:
What stocks do they own?
A “basket” of other mutual funds (a “fund of funds”)
Mullooly Asset Management February 2013

7. TRRAX: T Rowe Price 2010 Fund
In the 2010 Fund:
-51% in stocks
-42% in bonds
-5% in cash
From the T Rowe Price website:
“You should choose the Retirement Fund with the target date
closest to the year you reach age 65.”
Mullooly Asset Management February 2013

8. None of the securities mentioned in this (or any)
podcast or video represent past specific
recommendations of Mullooly Asset Management.
This video is NOT a recommendation to buy or sell any
of the securities mentioned here.
If you’re relying on a podcast for investment advice, you
are likely making a huge mistake.
We strongly urge our listeners to consult with their
investment advisor before they make a decision to buy
or sell any investment.
Mullooly Asset Management February 2013

9. Mullooly Asset Management, LLC
support (at) mullooly (dot) net
732-223-9000
www.mullooly.net
Mullooly Asset Management February 2013

10. Mullooly Asset Management, LLC
support (at) mullooly (dot) net
732-223-9000
www.mullooly.net
Mullooly Asset Management February 2013