{ "media_type": "text", "post_content": "I’m a lazy investor and don’t want to think about my money, so I invest my Roth IRA and 401K into a Vanguard target fund (2065). Should I be doing more with my money?", "post_id": "5f1e1b739ac5950022d0e5de", "reply_count": 13, "vote_count": 1, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter" }

I’m a lazy investor and don’t want to think about my money, so I invest my Roth IRA and 401K into a Vanguard target fund (2065). Should I be doing more with my money?

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Perfectly legit. Lazy is actually quite effective for the individual investor, as it turns out.

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No you’re doing fine

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Maybe consider S&P ETF instead of target fung

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You could just do 50/50 and let that ride until retirement (or at least until you are getting closer to retirement). A bit more aggressive than a target date fund but historically has performed better and has lower fees.

Or in straight stocks like Apple and amazon who’ve grown a ton in the past 1-5 years

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VFIAX or VOO would be the next step from a target fund

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Since IRA grows tax free I would look into a growth etf/mutual fund. Using a target date is perfectly fine though.

I got out of target date because they were too heavy in bonds and international markets that have underperformed (relative to US) for over a decade.

No idea, but my money (literally) is that it'll be closer to the previous decade than not. Also, something like 30-40% of S&P 500 company sales are international, so there's exposure built in.

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You're good.

I would change the target fund because of heights fees. I would suggest looking at other options in your 401k with lower fees and higher returns. I would suggest an etf based off the s&p 500

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