36 year old here with around $250k pending the day but have always just kept pumping a 2050 target date fund with all my 401k contributions. Technically have rolled a good chunk into an IRA and not limited to an employer plan.
Just curious how everyone feels on target date funds. Seems easy in theory and managed, but also so are EFTs. Anyone have a negative against target date fund? I have a small bit in SPYD as I like the dividends (which actually makes a good chunk of my target date fund is free shares).