Quote:
Originally Posted by Iczer
I'm not really reacting to the downturn, just thinking more long term. It seems that i'd stand to gain more in large cap over the years compared to target date. However now that I'm reading more, target dates are a bit more steady in big downturns.
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Target date funds are diversified for you, so they'll naturally be more stable than going fully into stocks. That said, they can also be more conservative than some people need, so there are reasons not to use them. It's probably worth digging into the allocation of yours and comparing that to how aggressive you want to be.