A: It is true that BFund has always been tagged as a retirement fund because of its balanced nature. However, it does not mean you are compelled to use BFund as your retirement fund. Rather, the focus for you should be a fund that is ideal for you because of its risk profile and your time horizon. If you feel you can’t deal with fluctuations in the performance of your fund, you may be better suited for a low-risked fixed-income fund like MFund.