401k Investing - Target Date Fund vs individually set

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401k Investing - Target Date Fund vs individually set

<!-- SC_OFF --><div class="md"><p>I am wondering if it is better to just select a Target-date retirement account or individually allocate % invested in each asset class, my 401k rebalances each quarter? I am 39 and started saving for retirement only a few years ago, in my mid-30s. I am not a fan of how much cash my target date (2045) holds and I wonder if it is as aggressive as I might need it to be? </p> <p>Any thoughts on a Vanguard Target Date 2045 Fund vs the allocations shown below? </p> <p>&#x200B;</p> <p>Asset Class Target Mix</p> <p>Bond 10%</p> <p>Large US Equity 30%</p> <p>Small-Mid US Equity 40%</p> <p>International 20%</p> </div><!-- SC_ON --> submitted by <a href="https://www.reddit.com/user/neilgbp"> /u/neilgbp </a> <br/> <span><a href="https://www.reddit.com/r/investing/comments/ryg89v/401k_investing_target_date_fund_vs_individually/">[link]</a></span> <span><a href="https://www.reddit.com/r/investing/comments/ryg89v/401k_investing_target_date_fund_vs_individually/">[comments]</a></span>Kind Regards R