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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.
Pro
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.
Conversation Starter
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