Yes, I do. This is a good method of not needing to tinker and to refrain from a change in plan. It allows a person to focus on the important part -- to keep adding to the balances come hell or high water. I use a target date fund in Roth, 401k, and HSA. For similar reasons, I use Tax-Managed Balanced in taxable. One thing I find funny about the target date funds is that none of them agree on the percentages despite them all being the same target date. (I have a Vanguard, a Fidelity, and a Blackrock in the 401k). I will ride this into retirement and keep it that way. I also have a TIPS ladder as a bridge to SS at age 70.
Statistics: Posted by Dude2 — Mon Dec 22, 2025 5:31 am — Replies 21 — Views 1641