The ideal Fund is important never choose a fund that returns less than 5% average per year. You want an average of 6% average annual return or above. This amount significantly speeds up your savings and helps it grow and compound at a much faster pace as well as beating inflation if you choose a fund that is matching inflation you are effectively making no gains as the value of the money has stayed virtually the same with not growth in value instead it might have even decreased in buying power if its less than inflation. Be wise when picking your fund. and choose a fund with a low expense ratio. 0.12% or lower is advised. this is how much the fund charges you on returns annually to keep it running/managing it and updating to how the markets change Overtime.