回复：Morning3evening4,能帮我看一下(FFFEX), I appreciate it!

Generally speaking, Fido trader's suggestion would always put firm's interests first(because he gets his paycheck from Fido not you).

This is a target fund. It tries to move asset to more conservative category when time moves closer to its target date. The issue is conservative asset is not static. It changes as risk rewards changes for each asset class dynamically. Those funds usually consider bonds are conservative than stocks. That may not always holds. Check any target fund for 2010, how many of them were able to protect most of their assets during 2008-2009 down turn? How much have they recovered to prior 08 crash high?