The 10-Minute Choice: A Simple System to Pick Between Target-Date Funds and DIY ETFs E-Book
Naomi Carverton
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Investing can feel like a maze. Should you keep it simple with a target-date fund—or take control with your own ETF portfolio? The wrong choice can leave you paying higher fees, missing opportunities, or stuck with a strategy that doesn’t fit your goals.
This book cuts through the noise with a clear, inspiring system to help you decide in just 10 minutes. You’ll explore the real trade-offs between target-date funds and DIY ETFs, see how fees add up over decades, and learn which approach aligns best with your budget, time, and confidence level.
Inside you’ll discover:
Why target-date funds are the “easy button” for some investors but a trap for others.
How to build your own ETF strategy with less hassle than you think.
A step-by-step decision flowchart that points you toward your best-fit option.
No confusion. No overwhelm. Just clarity. With this book, you’ll gain the confidence to choose wisely, invest smartly, and move forward with peace of mind.
Das E-Book können Sie in Legimi-Apps oder einer beliebigen App lesen, die das folgende Format unterstützen:
Veröffentlichungsjahr: 2025
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Naomi Carverton
The 10-Minute Choice: A Simple System to Pick Between Target-Date Funds and DIY ETFs
Copyright © 2025 by Naomi Carverton
All rights reserved. No part of this publication may be reproduced, stored or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning, or otherwise without written permission from the publisher. It is illegal to copy this book, post it to a website, or distribute it by any other means without permission.
This novel is entirely a work of fiction. The names, characters and incidents portrayed in it are the work of the author's imagination. Any resemblance to actual persons, living or dead, events or localities is entirely coincidental.
Naomi Carverton asserts the moral right to be identified as the author of this work.
Naomi Carverton has no responsibility for the persistence or accuracy of URLs for external or third-party Internet Websites referred to in this publication and does not guarantee that any content on such Websites is, or will remain, accurate or appropriate.
Designations used by companies to distinguish their products are often claimed as trademarks. All brand names and product names used in this book and on its cover are trade names, service marks, trademarks and registered trademarks of their respective owners. The publishers and the book are not associated with any product or vendor mentioned in this book. None of the companies referenced within the book have endorsed the book.
First edition
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Contents
1. Chapter 1
2. Chapter 1: The Investing Landscape—Understanding Your Options
3. Chapter 2: What Are Target-Date Funds?
4. Chapter 3: Understanding ETFs—A Flexible Investment Option
5. Chapter 4: Comparing Target-Date Funds and ETFs
6. Chapter 5: The Role of Fees in Investing
7. Chapter 6: Creating Your Investment Strategy
8. Chapter 7: DIY Investing—Building Your ETF Portfolio
9. Chapter 8: The Power of Dollar-Cost Averaging
10. Chapter 9: A Step-by-Step Decision Flowchart
11. Chapter 10: Common Mistakes to Avoid in Investing
12. Chapter 11: Staying the Course—The Importance of Patience
13. Chapter 12: Real-Life Success Stories
14. Chapter 13: The Future of Investing—Trends to Watch
15. Chapter 14: Additional Resources for Continued Learning
16. Chapter 15: Taking Action—Your Next Steps
17. Chapter 16: Conclusion—Your Journey Forward
18. Chapter 1: The Investing Landscape—Understanding Your Options
19. Chapter 2: What Are Target-Date Funds?
20. Chapter 3: Understanding ETFs—A Flexible Investment Option
21. Chapter 4: Comparing Target-Date Funds and ETFs
22. Chapter 5: The Role of Fees in Investing
23. Chapter 6: Creating Your Investment Strategy
24. Chapter 7: DIY Investing—Building Your ETF Portfolio
25. Chapter 8: The Power of Dollar-Cost Averaging
26. Chapter 9: A Step-by-Step Decision Flowchart
27. Chapter 10: Common Mistakes to Avoid in Investing
28. Chapter 11: Staying the Course—The Importance of Patience
29. Chapter 12: Real-Life Success Stories
30. Chapter 13: The Future of Investing—Trends to Watch
31. Chapter 14: Additional Resources for Continued Learning
32. Chapter 15: Taking Action—Your Next Steps
33. Chapter 16: Conclusion—Your Journey Forward
1
Chapter 1
Table of Contents
2
Chapter 1: The Investing Landscape—Understanding Your Options
The Basics of Investing
What are Target-Date Funds?
Understanding ETFs
Comparing Target-Date Funds and ETFs
Low-Cost Investing Strategies
Making Your Investment Choice
3
Chapter 2: What Are Target-Date Funds?
Understanding Target-Date Funds
Benefits of Target-Date Funds
Drawbacks of Target-Date Funds
When to Consider Target-Date Funds
4
Chapter 3: Understanding ETFs—A Flexible Investment Option
What are ETFs?
Advantages of Investing in ETFs
Potential Drawbacks of ETFs
Choosing the Right ETF
5
Chapter 4: Comparing Target-Date Funds and ETFs
Understanding Target-Date Funds
Introduction to ETFs
Fees: A Critical Comparison
Control and Flexibility
Risk Considerations
Which Option is Right for You?
6
Chapter 5: The Role of Fees in Investing
Understanding Investment Fees
The Impact of Fees on Long-Term Growth
Finding Low-Cost Investment Options
Best Practices for Fee Management
7
Chapter 6: Creating Your Investment Strategy
Understanding Your Investment Goals
Evaluating Your Time Horizon
Risk Tolerance and Investment Style
Fees and Costs Component
Aligning Investments with Values
8
Chapter 7: DIY Investing—Building Your ETF Portfolio
Understanding ETFs
Identifying Your Investment Goals
Choosing the Right ETFs
Diversifying Your Portfolio
Monitoring and Adjusting Your Portfolio
9
Chapter 8: The Power of Dollar-Cost Averaging
Understanding Dollar-Cost Averaging
How Dollar-Cost Averaging Works in Practice
Emotional Benefits of Dollar-Cost Averaging
The Impact of Fees on Dollar-Cost Averaging
10
Chapter 9: A Step-by-Step Decision Flowchart
Understanding Your Investment Style
Navigating the Decision Flowchart
Advantages of Target-Date Funds
Building Your ETF Portfolio
Monitoring Your Investments
Making the Final Decision
11
Chapter 10: Common Mistakes to Avoid in Investing
Ignoring Fees and Expenses
Chasing Performance
Not Having a Clear Investment Plan
Overreacting to Market Changes
Neglecting to Educate Yourself
12
Chapter 11: Staying the Course—The Importance of Patience
Understanding Market Cycles
The Psychology of Investing
The Power of Dollar-Cost Averaging
Setting Long-Term Goals
Learn from Successful Investors
13
Chapter 12: Real-Life Success Stories
Empowering Journeys: Meet Sarah
The ETF Success Story of Mike
A Family Choice: The Johnsons’ Experience
Lessons from Real Investors
14
Chapter 13: The Future of Investing—Trends to Watch
The Rise of Robo-Advisors
ESG Investing: Aligning Values with Investments
The Impact of Technology on Investing
The Shift Towards Passive Investing
15
Chapter 14: Additional Resources for Continued Learning
Essential Reading Materials
Online Learning Platforms
Recommended Websites and Blogs
Investing Tools and Calculators
Community and Forums
Podcasts and Video Channels
16
Chapter 15: Taking Action—Your Next Steps
Understanding Your Investment Goals
Exploring Target-Date Funds
Understanding ETFs
Making Your Choice
