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…I am 53…safe …

There are no long-term investments that are truly safe. You only get to choose they type of risk you take. Even government bonds have inflation and rising interest rate risks.

For retirement planning you normally hear people talking about living off their savings, social security, and pensions, until they are 90 or 95. One way to look at your asset allocation is to look at when you will be spending the money. You might want to set a budget of what you will need when you are 80+, 65 to 79, and less than 65. Unless you have a huge retirement fund then putting the money for your later years in bonds may be risking running out of money before you die because of the inflation and rising interest rate risks.

I agree that adding some more international exposure would be good idea but don't go overboard, as I recall about 30% of the S&P 500 companies' earnings already come from international operations.

The targeted funds all tend to be too conservative for most people because the asset allocation that they use does not take the rest of your financial picture into account. For example if you have a house paid off then one option you will eventually have if you live into your 90's you may very well be able to plan on eventually selling you house when you are in you are ready to move into some sort of assisted living situation. This would make a huge difference in how to allocate your retirement funds and the people managing the targeted fund are not taking this into account.

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