Word: vanguardism
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...most populous Sunbelt states, catching some educators looking the other way. School-age populations fell off 5.3%, to 44.9 million, from 1980 to 1984, as the last of the World War II baby boomers graduated. But meanwhile, the number of preschoolers surged 9%, to 17.8 million. And now the vanguard of this baby boomlet has hit first grade, where enrollments rose from a 33-year low of 2,894,000 in 1980 to 3,079,000 for 1983-84, with more coming. In the Sunbelt states, the boomlet is being compounded by massive immigration from the snow country...
...tumultuous welcome, and Kabul's virtuosos have unearthed the instruments they buried in their gardens. Songs blast from Kabul shops, and more than a dozen radio stations flourish around the country. Mirwais, one of the first to sing in public after the Taliban's ouster, is at the vanguard of this revival. Despite his youth, he recognizes the enormity of the change. In the old days, he says, "If the Taliban caught me, they would have shaved my head. And only Allah knows what other punishments I would have faced...
However appealing, though, these funds do have their pitfalls. Typically, a life-cycle portfolio invests in a mix of other funds, delivering risk-reducing diversification--but also a chance for an added layer of fees. You will want to stick with funds firms (like T. Rowe Price and Vanguard) that charge only the underlying funds' expense ratios or a modest amount on top. (Fidelity, for example, charges an extra 0.08%.) Some firms charge far more...
Another warning: each fund has its own one-size-fits-all mentality--and that size might not be yours. The American Century My Retirement 2025 Portfolio, for example, aims this year to have 67% in stocks, 28% in bonds and 5% in a money market. Yet Vanguard Target Retirement 2025--pursuing the identical goal--holds a 59% stock, 41% bond split...
...Davis said that students who prefer their cables have nothing to fear from the encroachment of the wireless vanguard...