"This past winter, funds to pay for snow removal cost a lot of money and with all the sand and snow there are now a lot of potholes that have to be repaired.
All told, the database contained almost 2,100 funds.
In 2008 funds with a 2010 target suffered losses of 20-30% as the stockmarket plunged.
His answer was to cut off funding to the 2008 fund in favour of its more mature, and better placed, 2001 and 2005 funds.
According to Morningstar's analysis of 2010 funds, equity allocations as of late last year varied from 26 percent to 65 percent.
Of the 2,389 funds formed since 1997, 319 have been liquidated.
mutual fund universe of 6,707 funds managing $707 billion in all.
Lower rates will spring funds for technology investment and purchase.
Here are five 2045 funds with low expense ratios.
This issue we rate 1,000 funds (The Scorecard); an even broader survey, of 2,507 funds, is at forbes.com/fundsurvey.
Pay bills online and choose among 4,200 funds, including 1,100 commission-free.
