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Do you create your own portfolio for 401k, or just put everything in Target Retirement funds?

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Make my own. Reduce % in bonds to align to my risk profile

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Make your own. Target fund expense ratios are at least 4x higher. Target funds are easy 4 fund portfolios of full market index, international, us bond, international bond. Allocation remains same pretty much until 20 year to retirement where you slowly increase bond allocation.

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Target date fund. You?

I make my own based off the target date fund, basically it’s 90% the same but lower fees (10% difference based on my risk level)

I use a large cap growth fund so that dividends are reinvested and so far it has far outpaced the target funds. and it's depressing to log in and see 3 new target date funds listed below the one I'm supposed to be in 😔

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