No. of Recommendations: 1

The part that I do not like about target date funds is the lack of flexibility they have in their planning.

The ones that were offered in my old 401K were very specific in their transition from stock to bonds. They closely followed the 100 - age allocation for stock.

In the investing environment we have been in for quite a while, I just could not own a bond heavy (66%) portfolio.

Instead, we are stock heavy. We maintain expense cash outside the portfolio. It floated us through the 2007 to 2010 sag and recovery without selling stock. This is the normal reason people are told to own bonds.

All holdings and some stats on my profile page
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