Many retirement funds do not offer other choices (stocks, ETFs, etc.)

Get diversification with low cost

Mutual funds avoid individual stock risk, so buying on dips is a good strategy

Some funds such as the following impose purchase block for 60 days after the last redemption:

• BlackRock EAFE Equity Index Fund-Class T
• Fidelity Contrafund®
• Fidelity Growth Company Fund
• Neuberger Berman Genesis Fund–
• PIMCO Total Return Fund – Institutional Class
• Royce Low-Priced Stock Fund – Institutional Class
• T. Rowe Price International Discovery Fund
• Vanguard US Equity Index Fund
• Vanguard Extended Market Index Fund – Institutional Plus Shares

Some funds such as the following impose redemption fees:

T. Rowe Price International Discovery Fund 2% fee for shares held less than 90 days