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