Do you think those target-date funds are actually good for retirement, or are they too generic? I’ve been in a 2055 fund for a while, and I love how effortless it is. There are no rebalancing and no stress. Still, part of me wonders if I could do better by customizing my allocation. I’m curious how other people handle this balance.

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I do both. I probably leave about 50% of my 401(k) in the target date funds and try my luck at allocating the other half across other various funds, some which are a bit riskier.

That makes sense. It sounds like you’ve found a mix that gives you some peace of mind while still leaving room for growth. Net positive is always a good sign! I might try allocating a portion myself to see how it goes.

I think they’re pretty good. They’re a little too conservative for my taste though. I’m very young and can afford to be more bearish with my investments.

Bullish

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