Hey Jeremy, quick question for you about TDIF. I know you highly recommend them, and so do I. Currently my investments are “all in” on the Vanguard 2055 for my 401K, Roth IRA and brokerage. In the year 2055 I’ll be 63.
The question I have is that I’m investing pretty aggressively right now and although nothing is guaranteed, I am definitely shooting for a retirement anywhere from 5-15 years before this if all continues as planned (shooting for anywhere between age 48-55 based on your calculator).
If that is the case, are TDIF a poor choice, and should I instead be buying ETFs/index funds and manually rebalancing as I go to make adjustments based on my updated retirement goal? Or do you believe the TDIF is still a great choice regardless?
Thanks! This one has really got me stuck