This is a good article on target date funds. My take on them is they are
better than nothing, but if you have a competent advisor I would think you'd do
much better.
It's my strong belief from doing this for over 20 years that avoiding the
big downs and being in the right sectors during the upswings makes a huge
difference.
I just don't get the target funds because I don't believe in that whole asset allocation thing. It makes no sense to me to be in a bad sector just for the sake of asset allocation pies. It dilutes your growth if your "required" to have some % of your assets allocated to a declining sector.
