How to Graduate Past Target Retirement Index Funds

One of the reasons that people often graduate past target retirement index funds is because now instead of just focussing on asset alocation, how you spread out your assets. So i know when we talk about the financial order of operation, step number seven is hyper accumulation. His is really where i think the three buckets. Tragedy deftly comes into play, because you have enough money coming in that you're not only filling up like the rotha rays,. You're not only maximizing your traditional retirement accounts, but now you have to you have enough capacity and margin that you can also save in that after tax bucket.