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sextoymagic t1_jaba61d wrote

Target date funds are pretty great.

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MV_108 t1_jad3csh wrote

Biggest negative is they charge a slightly higher expense ratio for them doing the work of blending over to bonds over time.

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withak30 t1_jad4k3j wrote

The additional expense is very small, and likely worth it if you are the kind of person who might forget to adjust your allocation over time, or who would lie awake at night worrying about whether you did it right yourself.

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sextoymagic t1_jad4c6g wrote

That’s definitely one of the most important things to look into when choosing one.

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