For those who don’t use any target funds in your 401K/Roth what is your approach?

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100% S&P 500, lowest exp ratio

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All in on US total stock market. Not in any bonds

100% S&P 500 for 401k
Mix of stocks (Amazon, Facebook, Visa, MasterCard) for Roth IRA
Mix of stocks, VOO, and VGT for Brokerage

Target funds have higher expenses. I use kid cap and s&p 500. My expense ratio is around 0.06

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