American Association of Individual Investors

American Association of Individual Investors

Investing for Life on the Smoother Path

The power of using a 50/50 combination of a target-date fund and U.S. small-cap value over 40 years of saving for retirement.

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AAII
Oct 30, 2025
∙ Paid
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  • View life choices and money decisions as continuous investments of time, energy and resources for future benefit

  • Learn how early, consistent saving and understanding personal risk capacity build lasting financial security

  • Discover how target-date funds, small-cap value exposure and automation enhance long-term investing success

Every choice we make is an investment decision. How will we use our time and energy now and in the future? Will we work or play, rest or exercise? Will we eat healthily or splurge? Will we scroll on a screen or be present? Will we seek first to understand or to speak?

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